104 S Cottage Ave, Normal, IL 61761 Property Records

McLean County property record for 104 S Cottage Ave, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,372 sqft · built 1980
Lot Size	0.183 acres (8,030 sqft)
Owner	2 Individual Names on Record
Last Sale	$147,000 (Mar 2026)
Tax Bill	$4,917 (2024)
Deeds & Mortgages	Mar 2026 Sale Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-29-401-021`

Property Details

APN / Parcel Number

Primary APN	`14-29-401-021`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,372 sqft Living Area
1st Floor Area	1,372 sqft
Basement Area	1,372 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	8,030 sqft (0.183 acres)
Lot Dimensions	110 ft deep x 73 ft wide
Garage Area	480 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	104 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 LOT 3
Legal Range	02E
Legal Township	24N
Legal Section	29
Legal Subdivision	SHERWOOD
Legal Lot Number	3
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	2 Individual Names on Record
Mailing Address	21474 N 500 EAST RD, CARLOCK, IL 61725-9420
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2026	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Dec 30, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2026 · Amount on Record
Deed Sale	Mar 6, 2026 · Amount on Record
Prior Sale	May 24, 2024 · Amount on Record
Deed Document Number	20263404
Prior Transfer Date	Jan 30, 2026
Prior Transfer Doc	0000003404
Record Updated	Oct 29, 2026

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCLEAN IL
Recording Date	Mar 6, 2026
Property Address	104 S COTTAGE AVE, NORMAL, IL 61761-2735
Document Number	202600003404
Map Reference	DOC 79-6368
Instrument Date	Jan 30, 2026
Instrument	2026-00003404
Transaction Type	Transfer
Record Updated	Mar 18, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$147.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	21474 N 500 EAST RD, CARLOCK, IL 61725-9420

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Dec 30, 2019
Property Address	104 S COTTAGE AVE, NORMAL, IL 61761-2735
Document Number	201900021430
Map Reference	DOC 79-6368
Instrument Date	Dec 17, 2019
Instrument	2019-00021430
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	FRONTIER TITLE COMPANY, FRONTIER TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 S COTTAGE AVE, NORMAL, IL 61761-2735

Mortgage

Document Number	201900021431
Date	Dec 30, 2019
Instrument	2019-00021431

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.87%

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		$72,641 (+9.14%) Land $12,721 Building $59,920	$217,923 (+9.14%) Land $38,163 Building $179,760
2024	$4,917.00 (+7.19%)	$66,558 (+11.68%) Land $11,656 Building $54,902	$199,674 (+11.68%) Land $34,968 Building $164,706
2023	$4,587.00	$59,597 Land $10,437 Building $49,160	$178,791 Land $31,311 Building $147,480

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 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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