520 S Division St, Chenoa, IL 61726 Property Records

McLean County property record for 520 S Division St, Chenoa, IL 61726

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,444 sqft · built 1909
Lot Size	0.33 acres (14,374 sqft)
Owner	2 Individual Names on File
Last Sale	$145,000 (Oct 2019)
Tax Bill	$4,071 (2023)
Deeds & Mortgages	Oct 2026 Mortgage Jun 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-231-009`

Property Details

APN / Parcel Number

Primary APN	`03-11-231-009`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,444 sqft Living Area
1st Floor Area	1,444 sqft
2nd Floor Area	1,444 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	14,374 sqft (0.33 acres)
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	154 sqft

Location & Zoning

Street Address	520 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 S 1/2 LOT 4 & ALL LOT 5 BLK 8
Legal Subdivision	PEARCES ADD
Legal Block	8
Legal Lot Number	4,5
Jurisdiction	MCLEAN IL
Township / Civil Division	CHENOA
Census Block Group	2
Census Block	2079
Census Tract	5700

Owner

520 S Division St is owned and occupied by two individuals who bought it in October 2019.

Source: McLean County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	520 S DIVISION ST, CHENOA, IL 61726-1307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage STREATOR ONIZED FEDERAL CREDIT UNION
Jun 29, 2021	Deed of Trust, Mortgage · Line of Credit FLANAGAN STATE BANK
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLANAGAN STATE BANK
Apr 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLANAGAN STATE BANK
Oct 15, 2019	Warranty Deed, Transfer · Conventional Mortgage FLANAGAN STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2019 · Amount on File
Deed Sale	Oct 15, 2019 · Amount on File
Deed Document Number	201916714
Prior Transfer Date	Nov 28, 2018
Prior Transfer Doc	0000019761
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Recording Date	Oct 13, 2026
Property Address	520 S DIVISION ST, CHENOA, IL 61726-1307
Document Number	0000015453
Instrument Date	Jul 20, 2026
Instrument	202615453
Transaction Type	Mortgage
Record Updated	Oct 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	520 S DIVISION ST, CHENOA, IL 61726-1307

Mortgage

Document Number	0000015453,
Date	Oct 13, 2026
Instrument	202615453

Lender

Name	STREATOR ONIZED FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	520 S DIVISION ST, CHENOA, IL 61726-1307
Transaction Type	Mortgage
Record Updated	Jul 8, 2021
Title Company	FTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100015446
Date	Jun 29, 2021
Instrument	2021-00015446

Lender

Name	FLANAGAN STATE BANK
Type	Bank
Address	FLANAGAN, IL 61740

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	63 Months
Due	Sep 1, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	520 S DIVISION ST, CHENOA, IL 61726-1307
Transaction Type	Mortgage
Record Updated	Sep 2, 2020
Title Company	FTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000016486
Date	Aug 21, 2020
Instrument	2020-00016486

Lender

Name	FLANAGAN STATE BANK
Type	Bank
Address	GRIDLEY, IL 61744

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	2.75%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	520 S DIVISION ST, CHENOA, IL 61726-1307
Transaction Type	Mortgage
Record Updated	Apr 24, 2020
Title Company	FRONTIER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000005686
Date	Apr 2, 2020
Instrument	2020-00005686

Lender

Name	FLANAGAN STATE BANK
Type	Bank
Address	GRIDLEY, IL 61744

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Oct 15, 2019
Property Address	520 S DIVISION ST, CHENOA, IL 61726-1307
Document Number	201900016714
Instrument Date	Sep 19, 2019
Instrument	2019-00016714
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$217.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	520 S DIVISION ST, CHENOA, IL 61726-1307

Mortgage

Document Number	201900016715
Date	Oct 15, 2019
Instrument	2019-00016715

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.75%

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		$60,240 Land $6,205 Building $54,035	$180,720 Land $18,615 Building $162,105
2023	$4,071.00 (+4.46%)	$49,912 Land $5,141 Building $44,771	$149,736 Land $15,423 Building $134,313
2022	$3,897.00

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 520 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 520 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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