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1203 Silver Oak Cir , Normal, IL 61761
$645,000
Est. Payment: $3,460.73/mo
5 Bed
4 Bath
4648 Sqft
0.31 Acres
Status: contingent | Days on site: 82
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97105 - 970402,980092
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House Description

Welcome to this stunning custom built lakefront home in the highly sought after Silver Oak Estates, where timeless design meets exceptional craftsmanship. This spacious 6 bedroom, 3.5 bath home with a 3 car garage offers the perfect blend of luxury, comfort, and functionality. The thoughtfully designed main level features a desirable first floor primary suite, a second main level bedroom, and convenient first floor laundry. At the heart of the home is a beautifully appointed kitchen featuring custom Homecrest cabinetry, granite countertops, and an island that's ideal for entertaining family and friends. Upstairs, you'll find 3 additional spacious bedrooms connected by a convenient Jack and Jill bathroom, along with a loft that overlooks the living room, creating an open and inviting feel. The finished basement is an entertainer's dream, complete with a wet bar, cozy gas fireplace, pool table, built-in wall aquarium that will remain with the home, and a storm shelter for added peace of mind. Enjoy your own private backyard oasis. Beautiful landscaping surrounds a spacious Holland stone paver patio with illuminated corner pillars, creating the perfect setting for morning coffee while watching the sunrise over the lake or hosting unforgettable gatherings. This exceptional waterfront property offers luxury living in one of the area's most desirable neighborhoods. Don't miss the opportunity to make this remarkable home your own.

Highlights

Listed by Laura Thompson , 309-824-8004 RE/MAX Rising , 309-340-1000. Midwest Real Estate Data mls logo

Property Type

Residential

Lot/Acreage
0.31

HOA Fee

400 Annually

Year Built

2008

County

McLean

Area

Normal

Neighborhood

Silver Oak Estates

School District

5

Listing ID

12718118

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:5
  • ▪ Bathrooms:4
  • ▪ Full Bathrooms:3
  • ▪ 1/2 Bathrooms:1
Appliances:Range, Microwave, Dishwasher, Refrigerator, Stainless Steel Appliance(s), Gas Cooktop, Central Vacuum,Ceiling Fan(s),Sump Pump,Sprinkler-Lawn,Multiple Water Heaters,Water Heater-Gas
Air Cond:Central Air
Fireplaces:Gas Log
Floor:Hardwood
Below Ground Sq Ft:1426
Basement:Partially Finished,Rec/Family Area,Sleeping Area,Partial
Other:
  • ▪ Additional:Cathedral Ceiling(s), Wet Bar, 1st Floor Bedroom, 1st Floor Full Bath, Walk-In Closet(s), Open Floorplan, Granite Counters, Separate Dining Room
Water:Public

Exterior Features

Lot:Landscaped,Pond,Waterfront
Lot Dimensions:95x140
Garage Capacity:3
Roof:Asphalt
Sewer:Public Sewer
Parking Features:Concrete,Garage Door Opener,Yes,Garage Owned,Attached,Garage
Principal Interest
$3,461
Taxes
$1,452
HOA
$400

Home Price

$645,000

Loan Details

30 yrs
7.08%

Down Payment

20%
$129,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$3,460.73

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $3,460.73 $1,451.55 $400.00 $5,312.27
Yearly $41,528.75 $17,418.54 $4,800.00 $63,747.29
Total $1,245,862.44 $522,556.20 $144,000.00 $1,912,418.64
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Master Chief
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Market insight data is pulled from the same city as the listing being viewed (Normal, IL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information submitted to the MRED as of the date listed below. All data is obtained from various sources and has not been, and will not be, verified by broker or MRED. MRED supplied Open House information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. IDX information is provided exclusively for consumers' personal non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by MTP or MRED. The use of the MRED Data may be subject to an end user license agreement prescribed by the Member Participant's applicable MLS if any and as amended from time to time.

Based on information submitted to the MLS GRID as of the date listed below. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. IDX information is provided exclusively for consumers' personal non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, that the data is deemed reliable but is not guaranteed by MLS GRID, and that the use of the MLS GRID Data may be subject to an end user license agreement prescribed by the Member Participant's applicable MLS if any and as amended from time to time. MLS GRID may, at its discretion, require use of other disclaimers as necessary to protect Member Participant, and/or their MLS from liability. Some listings have been excluded from this website.

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Data last updated: 2026-10-26T20:59:06.000Z

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