509 N School St, Normal, IL 61761 Property Records

McLean County property record for 509 N School St, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,219 sqft · built 1900
Lot Size	0.33 acres (14,374 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Sep 2020)
Tax Bill	$4,009 (2024)
Deeds & Mortgages	Sep 2025 Line of Credit Sep 2020 Sale & Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-28-203-027`

Property Details

APN / Parcel Number

Primary APN	`14-28-203-027`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	4 Units
Stories	2 Stories
Building Area	2,219 sqft Living Area
1st Floor Area	1,307 sqft
Basement Area	117 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Roof Material	Asphalt
Lot Area	14,374 sqft (0.33 acres)
Lot Dimensions	214 ft deep x 67 ft wide
Porch	Open Frame Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	509 N SCHOOL ST
City	NORMAL
State	IL
Zip	61761-1718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	CAPEN & COS SUB S 1/3 LOT 16
Legal Range	02E
Legal Township	24N
Legal Section	28
Legal Subdivision	CAPEN & COS SUB
Legal Lot Number	16
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	3
Census Block	3009
Census Tract	107

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	509 N SCHOOL ST, NORMAL, IL 61761-1718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Deed of Trust, Mortgage · Line of Credit CONSUMERS CU
Sep 14, 2020	Warranty Deed, Transfer · Stand-Alone Second Mortgage ILLINOIS HOUSING DEVELOPMENT AUTHOR
Dec 20, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DIGITAL FCU
Jan 3, 2017	Warranty Deed, Transfer · Commercial Mortgage FIRST STATE BANK OF BLOOMINGTON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2020 · Amount on Record
Deed Sale	Sep 14, 2020 · Amount on Record
Prior Sale	Dec 9, 2009 · Amount on Record
Deed Document Number	202018584
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	509 N SCHOOL ST, NORMAL, IL 61761-1718
Transaction Type	Mortgage
Record Updated	Oct 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202500013184
Date	Sep 23, 2025
Instrument	2025-00013184

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	LAKE FOREST, IL 60045

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 20, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Sep 14, 2020
Property Address	509 N SCHOOL ST, NORMAL, IL 61761-1718
Document Number	202000018584
Instrument Date	Aug 27, 2020
Instrument	2020-00018584
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 N SCHOOL ST, NORMAL, IL 61761-1718

Mortgage

Document Number	202000018586
Date	Sep 14, 2020
Instrument	2020-00018586

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHOR
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Mortgage

Document Number	202000018585
Date	Sep 14, 2020
Instrument	2020-00018585

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	509 N SCHOOL ST, NORMAL, IL 61761-1718
Transaction Type	Mortgage
Record Updated	Dec 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800020368
Date	Dec 20, 2018
Instrument	2018-00020368

Lender

Name	DIGITAL FCU
Type	Credit Union
Address	MARLBOROUGH, MA 01752

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2029

Interest

Rate Type	Fixed Rate
Rate	7.74%

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jan 3, 2017
Property Address	509 N SCHOOL ST, NORMAL, IL 61761-1718
Document Number	201700000001
Instrument Date	Dec 12, 2016
Instrument	2017-00000001
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	14931 CARVER XING, MANHATTAN, IL 60442-7755

Mortgage

Document Number	201700000003
Date	Jan 3, 2017
Instrument	2017-00000003

Lender

Name	FIRST STATE BANK OF BLOOMINGTON
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Dec 15, 2021

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$60,442 (+21.89%) Land $14,748 Building $45,694	$181,326 (+21.89%) Land $44,244 Building $137,082
2024	$4,009.00 (+7.48%)
2023	$3,730.00	$49,588 Land $12,100 Building $37,488	$148,764 Land $36,300 Building $112,464

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 Policies	1 in force

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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORMAL serves 52,736 people · EPA ID IL1130900
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 368 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Pavlov Media, Watch TV.

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