513 N School St, Normal, IL 61761 Property Records

McLean County property record for 513 N School St, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 2,702 sqft · built 1900
Lot Size	0.33 acres (14,374 sqft)
Owner	2 Individual Names on File
Last Sale	$179,000 (Apr 2008)
Tax Bill	$6,564 (2024)
Deeds & Mortgages	Aug 2018 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-28-203-025`

Property Details

APN / Parcel Number

Primary APN	`14-28-203-025`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Units	7 Units
Stories	2 Stories
Building Area	2,702 sqft Living Area
1st Floor Area	1,378 sqft
Basement Area	1,324 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	14,374 sqft (0.33 acres)
Lot Dimensions	214 ft deep x 67 ft wide
Garage Area	720 sqft
Porch	Open Frame Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	513 N SCHOOL ST
City	NORMAL
State	IL
Zip	61761-1693
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	CAPEN & COS SUB N 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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	513 N SCHOOL ST, NORMAL, IL 61761-1693
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2018	Deed of Trust, Mortgage · ARM FIRST STATE BANK
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage CEFCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2008 · Amount on File
Deed Sale	Apr 21, 2008 · Amount on File
Deed Document Number	200810926
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	513 N SCHOOL ST, NORMAL, IL 61761-1693
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800014378
Date	Aug 29, 2018
Instrument	2018-00014378

Lender

Name	FIRST STATE BANK
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Sep 1, 2023
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	513 N SCHOOL ST, NORMAL, IL 61761-1693
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	MCLEAN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000007608
Date	Apr 30, 2020
Instrument	2020-00007608

Lender

Name	CEFCU
Type	Credit Union
Address	PEORIA, IL 61656

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

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		$94,783 (+21.89%) Land $14,023 Building $80,760	$284,349 (+21.89%) Land $42,069 Building $242,280
2024	$6,564.00 (+6.87%)
2023	$6,142.00	$77,763 Land $11,505 Building $66,258	$233,289 Land $34,515 Building $198,774

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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