514 S Division St, Chenoa, IL 61726 Property Records

McLean County property record for 514 S Division St, Chenoa, IL 61726

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,008 sqft · built 1879
Lot Size	0.33 acres (14,374 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Feb 2026)
Tax Bill	$5,166 (2024)
Deeds & Mortgages	Aug 2022 Sale May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-231-008`

Property Details

APN / Parcel Number

Primary APN	`03-11-231-008`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
2nd Floor Area	1,008 sqft

Exterior

Year Built	Built 1879
Effective Year Built	Effective 1879
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Roof Material	Asbestos
Lot Area	14,374 sqft (0.33 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	514 S DIVISION ST
City	CHENOA
State	IL
Zip	61726-1307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PEARCES ADD TO CHENOA N 1/2 LOT 4 & ALL LOT 3 BLK 8
Legal Subdivision	PEARCES ADD
Legal Block	8
Legal Lot Number	4,3
Jurisdiction	MCLEAN IL
Township / Civil Division	CHENOA
Census Block Group	2
Census Block	2079
Census Tract	5700

Owner

514 S Division St is owned and occupied by two individuals who bought it in February 2026.

Source: McLean County records, as of July 20, 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	514 S DIVISION ST, CHENOA, IL 61726-1307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2022	Warranty Deed, Transfer MCLEAN COUNTY TITLE
May 19, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 29, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Mar 21, 2019	Warranty Deed, Transfer · FHA Mortgage MORTGAGE SERVICES III LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2026 · Amount on File
Deed Sale	Feb 12, 2026 · Amount on File
Prior Sale	Aug 2, 2022 · Amount on File
Deed Document Number	20262031
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Aug 2, 2022
Property Address	514 S DIVISION ST, CHENOA, IL 61726-1307
Document Number	202200013683
Instrument Date	Jul 15, 2022
Instrument	2022-00013683
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	MCLEAN COUNTY TITLE

Transaction

Amount	Amount on Record
Tax	$150.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	514 DIVISION ST, CHENOA, IL 61726

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	514 S DIVISION ST, CHENOA, IL 61726-1307
Transaction Type	Mortgage
Record Updated	May 27, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 S DIVISION ST, CHENOA, IL 61726-1307

Mortgage

Document Number	202200009057
Date	May 19, 2022
Instrument	2022-00009057

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Oct 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	514 S DIVISION ST, CHENOA, IL 61726-1307
Transaction Type	Mortgage
Record Updated	Jan 7, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 S DIVISION ST, CHENOA, IL 61726-1307

Mortgage

Document Number	202100030299
Date	Dec 29, 2021
Instrument	2021-00030299

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	358 Months
Due	Oct 1, 2051

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Mar 21, 2019
Property Address	514 S DIVISION ST, CHENOA, IL 61726-1307
Document Number	201900004087
Instrument Date	Mar 11, 2019
Instrument	2019-00004087
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	514 S DIVISION ST, CHENOA, IL 61726-1307

Mortgage

Document Number	201900004088
Date	Mar 21, 2019
Instrument	2019-00004088

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.87%

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		$60,766 (+10.88%) Land $6,205 Building $54,561	$182,298 (+10.88%) Land $18,615 Building $163,683
2024	$5,166.00 (+7.74%)	$54,803 (+8.85%) Land $5,596 Building $49,207	$164,409 (+8.85%) Land $16,788 Building $147,621
2023	$4,795.00 (+53.83%)	$50,347 (+31.34%) Land $5,141 Building $45,206	$151,041 (+31.34%) Land $15,423 Building $135,618
2022	$3,117.00	$38,332 Land $4,815 Building $33,517	$114,996 Land $14,445 Building $100,551

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

FEMA maps place 514 S Division St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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

The area around 514 S Division St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	CHENOA serves 1,800 people · EPA ID IL1130300
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2023
Treatment and Procedure	Corrosion control Apr 2023 Lead public education Mar 2023 Lead service line replacement Oct 2019
Monitoring and Reporting	6 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 183 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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