1203 Silver Oak Cir, Normal, IL, 61761
About This Home
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.
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2008
Materials
- Foundation: Concrete Perimeter
- Roof: Asphalt
- Construction materials: Vinyl Siding,Brick,Stone
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Range,Microwave,Dishwasher,Refrigerator,Stainless Steel Appliance(s),Gas Cooktop,Multiple Water Heaters,Gas Water Heater
- Laundry features: Main Level,Gas Dryer Hookup,Electric Dryer Hookup,Sink
Basement
- Has basement: Yes
- Basement: Partially Finished,Rec/Family Area,Sleeping Area,Partial
Bedroom2
- Features: Flooring (Carpet)
- Level: Main
- Area: 182
- Dimensions: 13X14
Bedroom3
- Features: Flooring (Carpet)
- Level: Second
- Area: 182
- Dimensions: 14X13
Bedroom4
- Features: Flooring (Carpet)
- Level: Second
- Area: 144
- Dimensions: 12X12
Bedroom5
- Features: Flooring (Carpet)
- Level: Second
- Area: 225
- Dimensions: 15X15
Bedroom6
- Features: Flooring (Carpet)
- Level: Basement
- Area: 272
- Dimensions: 17X16
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Dining Room
- Features: Flooring (Hardwood)
- Level: Main
- Area: 144
- Dimensions: 12X12
Family Room
- Features: Flooring (Carpet)
- Level: Basement
- Area: 828
- Dimensions: 18X46
Features
- Cathedral Ceiling(s),Wet Bar,1st Floor Bedroom,1st Floor Full Bath,Walk-In Closet(s),Open Floorplan,Granite Counters,Separate Dining Room
- Flooring: Hardwood
- Number of fireplaces: 2
- Fireplace features: Gas Log,Family Room,Living Room
- Fireplace: Yes
- Finished area below ground: 1,426
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 4,648
- Total interior livable area: 4,648 sqft
Kitchen
- Features: Kitchen (Eating Area-Breakfast Bar,Eating Area-Table Space,Island,Pantry-Walk-in,Granite Counters),Flooring (Ceramic Tile)
- Level: Main
- Area: 414
- Dimensions: 18X23
Laundry
- Features: Flooring (Ceramic Tile)
- Level: Main
- Area: 72
- Dimensions: 8X9
Living Room
- Features: Flooring (Carpet)
- Level: Main
- Area: 342
- Dimensions: 18X19
Loft
- Features: Flooring (Carpet)
- Level: Second
- Area: 225
- Dimensions: 15X15
Master Bedroom
- Features: Flooring (Carpet),Bathroom (Full,Double Sink,Whirlpool & Sep Shwr)
- Level: Main
- Area: 360
- Dimensions: 18X20
Other
- Features: Flooring (Other)
- Level: Basement
- Area: 119
- Dimensions: 7X17
Property
Accessibility
- Accessibility features: No Disability Access
Details
- Parcel number: 1519104006
- Special condition: None
- Other equipment: Central Vacuum,Ceiling Fan(s),Sump Pump,Sprinkler-Lawn
Features
- Stories: 1
- Patio & porch: Patio
- Has view: Yes
- View description: Water,Back of Property
- Has water view: Yes
- Water view: Water,Back of Property
- On waterfront: Yes
- Waterfront features: Pond,Waterfront
Lot
- Lot size: 0.31 Acres
- Features: Landscaped
- Lot size dimensions: 95x140
Parking
- Total spaces: 3
- Parking features: Concrete,Garage Door Opener,Yes,Garage Owned,Attached,Garage
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Drought
- Inland Flooding
- Strong Wind
- Tornado
- Winter Weather
- Hail
- Heat Wave
- Ice Storm
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters Across Illinois Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,686 | $44,232 |
| Home Insurance * | $407 | $4,884 |
| Property Taxes | $1,281 | $15,372 |
| Electricity | $357 | $4,290 |
| Total | $5,731 | $68,772 |
Income You'd Need if You Spent...
Illinois FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-31 | Listed for sale | $729,000 |
| 2016-11-30 | Sold | $447,000 |
| 2016-09-23 | Price change | $454,900 |
| 2016-08-04 | Price change | $459,900 |
| 2016-07-13 | Price change | $489,900 |
| 2016-04-25 | Listed for sale | $499,000 |
| 2010-05-12 | Sold | $480,000 |
| 2007-09-20 | Sold | $99,500 |
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