100 S Cottage Ave, Normal, IL 61761 Property Records

McLean County property record for 100 S Cottage Ave, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,231 sqft · built 1986
Lot Size	0.234 acres (10,450 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Sep 2013)
Tax Bill	$4,297 (2024)
Deeds & Mortgages	Aug 2022 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-29-401-019`

Property Details

APN / Parcel Number

Primary APN	`14-29-401-019`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,231 sqft Living Area
1st Floor Area	1,231 sqft
Basement Area	1,231 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	10,450 sqft (0.234 acres)
Lot Dimensions	110 ft deep x 95 ft wide
Garage Area	593 sqft
Porch	Open Frame Porch
Patio Area	227 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	100 S COTTAGE AVE
City	NORMAL
State	IL
Zip	61761-2735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	SHERWOOD PARK LOT 1
Legal Range	02E
Legal Township	24N
Legal Section	29
Legal Subdivision	SHERWOOD PARK
Legal Lot Number	1
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	2
Census Block	2005
Census Tract	301

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	100 S COTTAGE AVE, NORMAL, IL 61761-2735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF PONTIAC
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST FARMERS STATE BANK
Aug 12, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2013 · Amount on Record
Deed Sale	Sep 4, 2013 · Amount on Record
Deed Document Number	201322817
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	100 S COTTAGE AVE, NORMAL, IL 61761-2735
Transaction Type	Mortgage
Record Updated	Sep 7, 2022
Title Company	FTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200015454
Date	Aug 30, 2022
Instrument	2022-00015454

Lender

Name	BANK OF PONTIAC
Type	Bank
Address	PONTIAC, IL 61764

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	100 S COTTAGE AVE, NORMAL, IL 61761-2735
Transaction Type	Mortgage
Record Updated	Mar 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100006500
Date	Mar 17, 2021
Instrument	2021-00006500

Lender

Name	FIRST FARMERS STATE BANK
Type	Bank
Address	MINIER, IL 61759

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.37%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	100 S COTTAGE AVE, NORMAL, IL 61761-2735
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900012840
Date	Aug 12, 2019
Instrument	2019-00012840

Lender

Name	FIRST FARMERS STATE BANK
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Jul 16, 2029

Interest

Rate Type	Adjustable Rate
Min Rate At Change	5%
Max Rate	18%

Tax Assessment & Valuation

Source: McLean County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McLean County
County Subdivision	Normal Township
Municipality	Normal Town
Unified School District	McLean County Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$64,316 (+21.89%) Land $14,853 Building $49,463	$192,948 (+21.89%) Land $44,559 Building $148,389
2024	$4,297.00 (+7.37%)
2023	$4,002.00	$52,767 Land $12,186 Building $40,581	$158,301 Land $36,558 Building $121,743

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 (1981)
Most Recent Claim	Jul 1981 · 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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	NORMAL serves 52,736 people · EPA ID IL1130900
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 437 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Frontier, Pavlov Media, Watch TV.

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