103 W Locust St, Normal, IL 61761 Property Records

McLean County property record for 103 W Locust St, Normal, IL 61761

Property Summary

Property Type	Commercial
Details	24 bd · 5,418 sqft · built 1983
Lot Size	0.201 acres (8,773 sqft)
Owner	Company Name on Record
Last Sale	$2,512,500 (Jul 2019)
Tax Bill	$13,375 (2024)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-28-277-010`

Property Details

APN / Parcel Number

Primary APN	`14-28-277-010`

Interior

Bedrooms	24 Beds
Units	12 Units
Stories	2 Stories
Building Area	5,418 sqft Living Area
1st Floor Area	1,806 sqft
Basement Area	1,806 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,773 sqft (0.201 acres)
Lot Dimensions	132 ft deep x 66 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	103 W LOCUST ST
City	NORMAL
State	IL
Zip	61761-4504
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	R-3A
Legal Description	FIRST ADD TO NORMAL LOT 2 BLK C
Legal Range	02E
Legal Township	24N
Legal Section	28
Legal Subdivision	FIRST ADD
Legal Block	C
Legal Lot Number	2
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	1
Census Block	1006
Census Tract	106

Owner

Source: McLean County records, as of August 12, 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	1208 BUNN ST, BLOOMINGTON, IL 61701-6917
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage FORTRESS BANK
Jul 15, 2019	Deed, Transfer · Commercial Mortgage MARINE BANK SPRINGFIELD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2019 · Amount on Record
Deed Sale	Jul 15, 2019 · Amount on Record
Deed Document Number	201910818
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Recording Date	Aug 4, 2026
Property Address	103 W LOCUST ST, NORMAL, IL 61761-4504
Document Number	0000011328
Instrument Date	Jun 30, 2026
Instrument	202611328
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000011328,
Date	Aug 4, 2026
Instrument	202611328

Lender

Name	FORTRESS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 30, 2031

Interest

Rate	6.48%
Max Rate	-1%

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MCLEAN IL
Recording Date	Jul 15, 2019
Property Address	103 W LOCUST ST, NORMAL, IL 61761-4504
Document Number	201900010818
Instrument Date	Jul 5, 2019
Instrument	2019-00010818
Transaction Type	Transfer
Record Updated	Apr 30, 2024
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,768.75
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1709 TULLAMORE AVE STE B, B, BLOOMINGTON, IL 61704-9603

Mortgage

Document Number	201900010819
Date	Jul 15, 2019
Instrument	2019-00010819

Lender

Name	MARINE BANK SPRINGFIELD
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$135,532 (-) Land $37,771 Building $97,761	$406,596 (-) Land $113,313 Building $293,283
2024	$13,375.00 (+15.31%)
2023	$11,599.00	$135,532 Land $34,608 Building $100,924	$406,596 Land $103,824 Building $302,772

Assessed value is set for property tax purposes, not a market price estimate; it is 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	2 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	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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