102 Cheltenham Dr, Normal, IL 61761 Property Records

McLean County property record for 102 Cheltenham Dr, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,501 sqft · built 1976
Lot Size	0.244 acres (10,624 sqft)
Owner	2 Individual Names on Record
Last Sale	$273,500 (Mar 2025)
Tax Bill	$5,618 (2024)
Deeds & Mortgages	Sep 2019 Mortgage Aug 2022 Line of Credit + 8 more
Flood Zone	Zone X (minimal risk)
APN	`14-30-427-002`

Property Details

APN / Parcel Number

Primary APN	`14-30-427-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,501 sqft Living Area
1st Floor Area	1,501 sqft
Basement Area	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	10,624 sqft (0.244 acres)
Lot Dimensions	128 ft deep x 83 ft wide
Garage Area	506 sqft
Porch	Open Frame Porch
Patio Area	46 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	102 CHELTENHAM DR
City	NORMAL
State	IL
Zip	61761-2733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	PARKSIDE SOUTH SUB LOT 30
Legal Range	02E
Legal Township	24N
Legal Section	30
Legal Subdivision	PARKSIDE SOUTH SUB
Legal Lot Number	30
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	3
Census Block	3061
Census Tract	302

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	2 Individual Names on Record
Mailing Address	102 CHELTENHAM DR, NORMAL, IL 61761-2733
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST FARMERS STATE BANK
Aug 18, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF PONTIAC
Mar 28, 2012	Deed of Trust, Mortgage · ARM CEFCU
Mar 24, 2009	Deed of Trust, Mortgage HEARTLAND BANK & TRUST CO
Sep 16, 2011	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK
Feb 16, 2010	Deed of Trust, Mortgage HEARTLAND BANK & TRUST CO
Mar 11, 2025	Warranty Deed, Transfer · Conventional Mortgage POINT MORTGAGE CORP
Oct 2, 2015	Warranty Deed, Transfer · Conventional Mortgage FIRST FARMERS STATE BANK MINIER
Mar 17, 2010	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK
Jun 16, 2006	Warranty Deed, Transfer · Conventional Mortgage HEARTLAND BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2025 · Amount on Record
Deed Sale	Mar 11, 2025 · Amount on Record
Prior Sale	Oct 2, 2015 · Amount on Record
Deed Document Number	20252979
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	102 CHELTENHAM DR, NORMAL, IL 61761-2733
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900013907
Date	Sep 3, 2019
Instrument	2019-00013907

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.75%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	102 CHELTENHAM DR, NORMAL, IL 61761-2733
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	FTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200014550
Date	Aug 18, 2022
Instrument	2022-00014550

Lender

Name	BANK OF PONTIAC
Type	Bank
Address	PONTIAC, IL 61764

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 25, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	102 CHELTENHAM DR, NORMAL, IL 61761-2733
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	MCLEAN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201200007745
Date	Mar 28, 2012
Instrument	2012-00007745

Lender

Name	CEFCU
Type	Credit Union
Address	PEORIA, IL 61656

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Apr 1, 2017
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	4.87%
Index	1-Year T-Bill
Max Rate	8.87%

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	102 CHELTENHAM DR, NORMAL, IL 61761-2733
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200900008698
Date	Mar 24, 2009
Instrument	2009-00008698

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61705

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2039

September 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	102 CHELTENHAM DR, NORMAL, IL 61761-2733
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201100020509
Date	Sep 16, 2011
Instrument	2011-00020509

Lender

Name	BUSEY BANK
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	343 Months
Due	Apr 1, 2040

February 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	102 CHELTENHAM DR, NORMAL, IL 61761-2733
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201000003202
Date	Feb 16, 2010
Instrument	2010-00003202

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61702

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2040

Interest

Rate Type	Adjustable Rate

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Mar 11, 2025
Property Address	102 CHELTENHAM DR, NORMAL, IL 61761-2733
Document Number	202500002979
Map Reference	DOC 1975-00009618
Instrument Date	Mar 3, 2025
Instrument	2025-00002979
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	ILLINOIS TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$273.50
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	102 CHELTENHAM DR, NORMAL, IL 61761-2733

Mortgage

Document Number	202500002980
Date	Mar 11, 2025
Instrument	2025-00002980

Lender

Name	POINT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2040

Interest

Rate Type	Fixed Rate
Rate	6.5%

October 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Oct 2, 2015
Property Address	102 CHELTENHAM DR, NORMAL, IL 61761-2733
Document Number	201500018838
Map Reference	DOC1975-9618
Instrument Date	Sep 24, 2015
Instrument	2015-00018838
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$264.00
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
Relationship	Tenants by the Entirety
Address	102 CHELTENHAM DR, NORMAL, IL 61761-2733

Mortgage

Document Number	201500018839
Date	Oct 2, 2015
Instrument	2015-00018839

Lender

Name	FIRST FARMERS STATE BANK MINIER

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2045

March 2010: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Mar 17, 2010
Property Address	102 CHELTENHAM DR, NORMAL, IL 61761-2733
Document Number	201000005411
Map Reference	DOC75-9618
Instrument Date	Mar 12, 2010
Instrument	2010-00005411
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
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	102 CHELTENHAM DR, NORMAL, IL 61761-2733

Mortgage

Document Number	201000005412
Date	Mar 17, 2010
Instrument	2010-00005412

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2040

June 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jun 16, 2006
Property Address	102 CHELTENHAM DR, NORMAL, IL 61761-2733
Document Number	200600015877
Map Reference	DOC75-9618
Instrument Date	Jun 9, 2006
Instrument	2006-00015877
Transaction Type	Transfer
Record Updated	Apr 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$251.25
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	102 CHELTENHAM DR, NORMAL, IL 61761-2733

Mortgage

Document Number	200600015878
Date	Jun 16, 2006
Instrument	2006-00015878

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2036

Mortgage

Document Number	200600015879
Date	Jun 16, 2006
Instrument	2006-00015879

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	ARM
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2026

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Type Change Date	Jul 1, 2011
Change Frequency	Annually
Min Rate At Change	6.5%
Max Rate At Change	10.5%
Index	1-Year T-Bill
Max Rate	14.5%

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		$82,071 (+21.89%) Land $15,432 Building $66,639	$246,213 (+21.89%) Land $46,296 Building $199,917
2024	$5,618.00 (+7.03%)
2023	$5,249.00	$67,333 Land $12,661 Building $54,672	$201,999 Land $37,983 Building $164,016

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 Policies	3 in force

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 307 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

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