McLean County property record for 409 Labrador Ln, Normal, IL 61761 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 2006 |
| Square Footage | 2,124 sqft Living Area |
| Lot Size | 8,395 sqft (0.193 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $230,000 (2012) |
| Tax Bill | $8,186.00 (2024) |
Source: McLean County records · APN 14-15-356-025
Assessment roll updated April 8, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 LABRADOR LN, NORMAL, IL 61761-5611 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 27, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST MERCHANTS BANK |
| Jul 27, 2022 | Deed of Trust, Mortgage · Line of Credit CEFCU |
| Jul 17, 2017 | Deed of Trust, Mortgage · Adjustable Rate Mortgage (ARM) MORTGAGE SERVICES III LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 24, 2012 · Amount on Record |
| Deed Sale | Jul 24, 2012 · Amount on Record |
| Prior Sale | Jun 07, 2012 |
| Deed Doc Number | 201218033 |
| Last Transfer Date | Sep 27, 2024 |
| Transfer Doc | 0000014826 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Jul 27, 2026 |
| Property Address | 409 LABRADOR LN, NORMAL, IL 61761-5611 |
| Document Number | 0000010699 |
| Instrument Date | Jun 24, 2026 |
| Instrument | 202610699 |
| Transaction Type | Mortgage |
| Record Updated | Aug 04, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | 298 |
| Address | 409 LABRADOR LN, NORMAL, IL 61761-5611 |
| Document Number | 0000010699, |
|---|---|
| Date | Jul 27, 2026 |
| Instrument | 202610699 |
| Name | FIRST MERCHANTS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 25, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 409 LABRADOR LN, NORMAL, IL 61761-5611 |
| Transaction Type | Mortgage |
| Record Updated | Aug 03, 2022 |
| Name | Verified Name |
|---|
| Document Number | 202200013181 |
|---|---|
| Date | Jul 27, 2022 |
| Instrument | 2022-00013181 |
| Name | CEFCU |
|---|---|
| Type | Credit Union |
| Address | PEORIA, IL 61607 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 409 LABRADOR LN, NORMAL, IL 61761-5611 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ALLIANCE LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 201700012547 |
|---|---|
| Date | Jul 17, 2017 |
| Instrument | 2017-00012547 |
| Name | MORTGAGE SERVICES III LLC |
|---|---|
| Type | Lending Institution |
| Address | BLOOMINGTON, IL 61704 |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Aug 01, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.75% |
| Index | 1-Year LIBOR |
| Max Rate | 8.75% |
Source: McLean County records · Assessment roll updated April 8, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | McLean County |
| County Subdivision | Normal Township |
| Municipality | Normal Town |
| Unified School District | McLean County Unit School District 5 (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $116,596 (+21.89%) Land $23,126 Building $93,470 | $349,788 (+21.89%) Land $69,378 Building $280,410 | |
| 2024 | $8,186.00 (+6.69%) | ||
| 2023 | $7,673.00 | $95,658 Land $18,973 Building $76,685 | $286,974 Land $56,919 Building $230,055 |
Source: FEMA National Flood Hazard Layer, McLean County (17113C), updated June 27, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 14-15-356-025 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 7 Rooms |
| Building Area | 2,124 sqft Living Area |
| 1st Floor | 1,028 sqft 1st Floor |
| Basement Area | 1,028 sqft Basement |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Material | Asphalt Roof |
| Lot Area | 8,395 sqft (0.193 acres) |
| Depth X Width | 115 ft x 73 ft Depth x Width |
| Garage Area | 881 sqft Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Street Address | 409 LABRADOR LN |
|---|---|
| City | NORMAL |
| State | IL |
| Zip | 61761-5611 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PHEASANT RIDGE SUB 9TH ADD LT 329 |
| Legal Range | 02E |
| Legal Township | 24N |
| Legal Section | 15 |
| Legal Subdivision | PHEASANT RIDGE SUB |
| Legal Lot Number | 329 |
| Jurisdiction | MCLEAN IL |
| Minor Civil Division | NORMAL |
| Census Blockgroup | 1 |
| Census Block | 1016 |
| Census Tract | 109 |
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