108 S Cottage Ave, Normal, IL 61761 Property Records

McLean County property record for 108 S Cottage Ave, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,477 sqft · built 1986
Lot Size	0.181 acres (7,902 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Jul 2021)
Tax Bill	$5,244 (2024)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-29-401-023`

Property Details

APN / Parcel Number

Primary APN	`14-29-401-023`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	1,477 sqft Living Area
1st Floor Area	1,477 sqft
Basement Area	1,443 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	7,902 sqft (0.181 acres)
Lot Dimensions	110 ft deep x 72 ft wide
Garage Area	567 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	108 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 5
Legal Range	02E
Legal Township	24N
Legal Section	29
Legal Subdivision	SHERWOOD PARK
Legal Lot Number	5
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	108 S COTTAGE AVE, NORMAL, IL 61761-2735
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2021 · Amount on Record
Deed Sale	Jul 15, 2021 · Amount on Record
Prior Sale	Nov 14, 2011 · Amount on Record
Deed Document Number	202116693
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jul 15, 2021
Property Address	108 S COTTAGE AVE, NORMAL, IL 61761-2735
Document Number	202100016693
Map Reference	DOC 79-6368
Instrument Date	Jul 1, 2021
Instrument	2021-00016693
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
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	108 S COTTAGE AVE, NORMAL, IL 61761-2735
Investor	Possibly a Property Investor

Mortgage

Document Number	202100016694
Date	Jul 15, 2021
Instrument	2021-00016694

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.5%

Mortgage

Document Number	202100016695
Date	Jul 15, 2021
Instrument	2021-00016695

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second 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		$77,041 (+21.89%) Land $12,550 Building $64,491	$231,123 (+21.89%) Land $37,650 Building $193,473
2024	$5,244.00 (+7.11%)
2023	$4,896.00	$63,206 Land $10,296 Building $52,910	$189,618 Land $30,888 Building $158,730

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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