615 Spruce St, Chenoa, IL 61726 Property Records

McLean County property record for 615 Spruce St, Chenoa, IL 61726

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,218 sqft · built 1954
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on Record
Last Sale	$83,000 (Oct 2021)
Tax Bill	$2,526 (2024)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-11-232-004`

Property Details

APN / Parcel Number

Primary APN	`03-11-232-004`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,218 sqft Living Area
1st Floor Area	1,218 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asphalt
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	130 sqft

Location & Zoning

Street Address	615 SPRUCE ST
City	CHENOA
State	IL
Zip	61726-1350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A.D. JORDAN SUB PT NE SEC 11 LOT 10,11 &14 BLK 3
Legal Subdivision	JORDAN SUB
Legal Block	3
Legal Lot Number	10,11
Jurisdiction	MCLEAN IL
Township / Civil Division	CHENOA
Census Block Group	2
Census Block	2085
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	615 SPRUCE ST, CHENOA, IL 61726-1350
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Jul 27, 2018	Warranty Deed, Transfer · Conventional Mortgage STATE FARM BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2021 · Amount on Record
Deed Sale	Oct 14, 2021 · Amount on Record
Prior Sale	Jul 27, 2018 · Amount on Record
Deed Document Number	202124769
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Oct 14, 2021
Property Address	615 SPRUCE ST, CHENOA, IL 61726-1350
Document Number	202100024769
Instrument Date	Oct 14, 2021
Instrument	2021-00024769
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$124.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100024770
Date	Oct 14, 2021
Instrument	2021-00024770

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.37%

Mortgage

Document Number	202100024771
Date	Oct 14, 2021
Instrument	2021-00024771

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jul 27, 2018
Property Address	615 SPRUCE ST, CHENOA, IL 61726-1350
Document Number	201800012172
Instrument Date	Jul 20, 2018
Instrument	2018-00012172
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$118.50
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
Address	615 SPRUCE ST, CHENOA, IL 61726-1350

Mortgage

Document Number	201800012173
Date	Jul 27, 2018
Instrument	2018-00012173

Lender

Name	STATE FARM BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Interest

Rate	5.25%

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		$36,367 (+20.69%) Land $7,901 Building $28,466	$109,101 (+20.69%) Land $23,703 Building $85,398
2024	$2,526.00 (+9.92%)
2023	$2,298.00	$30,133 Land $6,547 Building $23,586	$90,399 Land $19,641 Building $70,758

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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