503 Spruce St, Chenoa, IL 61726 Property Records

McLean County property record for 503 Spruce St, Chenoa, IL 61726

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,268 sqft · built 1864
Lot Size	0.46 acres (20,037 sqft)
Owner	Individual Name on Record
Last Sale	$111,000 (Feb 2021)
Tax Bill	$3,499 (2024)
Deeds & Mortgages	Oct 2020 Line of Credit Feb 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-229-013`

Property Details

APN / Parcel Number

Primary APN	`03-11-229-013`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,268 sqft Living Area
1st Floor Area	1,268 sqft
2nd Floor Area	1,268 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1864
Effective Year Built	Effective 1864
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	20,037 sqft (0.46 acres)
Garage Type	Detached
Garage Area	884 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	503 SPRUCE ST
City	CHENOA
State	IL
Zip	61726-1348
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 11-26-4E PEARCES ADD TO CHENOA BLK 6 S5 LOT 7 & ALL LOTS 8 & 9
Legal Subdivision	PEARCES ADD
Legal Block	6
Legal Lot Number	7,8,9
Jurisdiction	MCLEAN IL
Township / Civil Division	CHENOA
Census Block Group	2
Census Block	2084
Census Tract	5700

Owner

Source: McLean County records, as of April 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	503 SPRUCE ST, CHENOA, IL 61726-1348
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2020	Deed of Trust, Mortgage · Line of Credit STATE BANK OF GRAYMONT
Feb 4, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Jul 10, 2018	Trustee's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2021 · Amount on Record
Deed Sale	Feb 4, 2021 · Amount on Record
Prior Sale	Jul 10, 2018 · Amount on Record
Deed Document Number	20212755
Prior Transfer Date	Jun 21, 2018
Prior Transfer Doc	0000010999
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	503 SPRUCE ST, CHENOA, IL 61726-1348
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000022083
Date	Oct 17, 2020
Instrument	2020-00022083

Lender

Name	STATE BANK OF GRAYMONT
Type	Bank
Address	PONTIAC, IL 61764

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Oct 1, 2021

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Feb 4, 2021
Property Address	503 SPRUCE ST, CHENOA, IL 61726-1348
Document Number	202100002755
Instrument Date	Jan 21, 2021
Instrument	2021-00002755
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	NOT AVAILABLE, FTC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 SPRUCE ST, CHENOA, IL 61726-1348

Mortgage

Document Number	202100002756
Date	Feb 4, 2021
Instrument	2021-00002756

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

July 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MCLEAN IL
Recording Date	Jul 10, 2018
Property Address	503 SPRUCE ST, CHENOA, IL 61726-1348
Document Number	201800010999
Instrument Date	Jun 21, 2018
Instrument	2018-00010999
Transaction Type	Foreclosure
Record Updated	Feb 28, 2022

Transaction

Amount	Amount Recorded
Tax	$13.50
Amount Accuracy	Rounded by County
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	503 SPRUCE ST, CHENOA, IL 61726-1348

Tax Assessment & Valuation

Source: McLean County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McLean County
County Subdivision	Chenoa Township
Municipality	Chenoa City
Unified School District	Prairie Central Community Unit School District 8 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$47,807 (+20.69%) Land $8,654 Building $39,153	$143,421 (+20.69%) Land $25,962 Building $117,459
2024	$3,499.00 (+9.31%)
2023	$3,201.00	$39,610 Land $7,170 Building $32,440	$118,830 Land $21,510 Building $97,320

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.

Flood

Source: FEMA National Flood Hazard Layer, effective June 27, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2015 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	8,000 / 8,000
Conxxus Fiber	8,000 / 8,000
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon, Watch TV.

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