102 W Phoenix Ave, Normal, IL 61761 Property Records

McLean County property record for 102 W Phoenix Ave, Normal, IL 61761

Property Summary

Property Type	Commercial
Details	24 bd · 21,997 sqft · built 1925
Lot Size	1 acres (43,560 sqft)
Owner	Company Name on Record
Tax Bill	$26,161 (2024)
Deeds & Mortgages	Jan 2020 Mortgage Feb 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`14-28-433-009`

Property Details

APN / Parcel Number

Primary APN	`14-28-433-009`

Interior

Bedrooms	24 Beds
Units	22 Units
Stories	3 Stories
Building Area	21,997 sqft Living Area
1st Floor Area	16,641 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Lot Area	43,560 sqft (1 acres)
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	102 W PHOENIX AVE
City	NORMAL
State	IL
Zip	61761-3796
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	SEC 28-24-2E NORMAL (ORIG TOWN) LT 1 & E50 LT 2 BLK 11
Legal Subdivision	NORMAL (ORIG TOWN)
Legal Block	11
Legal Lot Number	1,2
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	1
Census Block	1001
Census Tract	400

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	Company Name on Record
Mailing Address	311 S MAIN ST, NORMAL, IL 61761-2968
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2020	Deed of Trust, Mortgage · ARM CITIZENS EQUITY FIRST CU
Feb 26, 2020	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS EQUITY FCU
Jan 27, 2020	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS EQUITY FIRST CU
Feb 26, 2020	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS EQUITY FCU
Oct 20, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS EQUITY FIRST CU
May 10, 2017	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	102 W PHOENIX AVE, NORMAL, IL 61761-3796
Transaction Type	Mortgage
Record Updated	Apr 30, 2024
Title Company	FRONTIER TITLE COMPANY, FRONTIER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000001727
Date	Jan 27, 2020
Instrument	2020-00001727

Lender

Name	CITIZENS EQUITY FIRST CU
Type	Credit Union
Address	PEORIA, IL 61615

Agreement

Type	ARM
Amount	Amount Recorded
Term	120 Months
Due	Jan 15, 2030

Interest

Rate Type	Adjustable Rate
Rate	1.7%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	102 W PHOENIX AVE, NORMAL, IL 61761-3796
Transaction Type	Mortgage
Record Updated	Apr 30, 2024
Title Company	FRONTIER TITLE COMPANY, FRONTIER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000003514
Date	Feb 26, 2020
Instrument	2020-00003514

Lender

Name	CITIZENS EQUITY FCU
Type	Credit Union
Address	PEORIA, IL 61615

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.73%
Min Rate At Change	3%
Max Rate	6%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	102 W PHOENIX AVE, NORMAL, IL 61761-3796
Transaction Type	Mortgage
Record Updated	Apr 30, 2024
Title Company	NOT AVAILABLE, FRONTIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000001743
Date	Jan 27, 2020
Instrument	2020-00001743

Lender

Name	CITIZENS EQUITY FIRST CU
Type	Credit Union
Address	PEORIA, IL 61615

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 15, 2030

Interest

Rate	1.62%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	102 W PHOENIX AVE, NORMAL, IL 61761-3796
Transaction Type	Mortgage
Record Updated	Apr 30, 2024
Title Company	FRONTIER TITLE COMPANY, FRONTIER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000003513
Date	Feb 26, 2020
Instrument	2020-00003513

Lender

Name	CITIZENS EQUITY FCU
Type	Credit Union
Address	PEORIA, IL 61615

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Jan 15, 2030

Interest

Rate Type	Adjustable Rate
Min Rate At Change	3%
Max Rate	6%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	102 W PHOENIX AVE, NORMAL, IL 61761-3796
Transaction Type	Mortgage
Record Updated	Apr 30, 2024
Title Company	ALLIANCE LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100025394
Date	Oct 20, 2021
Instrument	2021-00025394

Lender

Name	CITIZENS EQUITY FIRST CU
Type	Credit Union
Address	PEORIA, IL 61615

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 15, 2041

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	May 10, 2017
Property Address	102 W PHOENIX AVE, NORMAL, IL 61761-3796
Document Number	201700007786
Instrument Date	Apr 21, 2017
Instrument	2017-00007786
Transaction Type	Transfer
Record Updated	Apr 30, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 S MAIN ST, NORMAL, IL 61761-2968

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		$318,105 (-) Land $123,185 Building $194,920	$954,315 (%) Land $369,555 Building $584,760
2024	$26,161.00 (-3.91%)
2023	$27,225.00	$318,105 Land $92,862 Building $225,243	$954,316 Land $278,586 Building $675,730

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Metronet, Watch TV.

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