109 Cheltenham Dr, Normal, IL 61761 Property Records

McLean County property record for 109 Cheltenham Dr, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 1978
Lot Size	0.241 acres (10,479 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Aug 2021)
Tax Bill	$5,665 (2024)
Deeds & Mortgages	May 2006 Line of Credit Apr 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-30-426-006`

Property Details

APN / Parcel Number

Primary APN	`14-30-426-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 sqft
Basement Area	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	10,479 sqft (0.241 acres)
Lot Dimensions	128 ft deep x 78 ft wide
Garage Area	528 sqft
Porch	Open Frame Porch
Patio Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	109 CHELTENHAM DR
City	NORMAL
State	IL
Zip	61761-2742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	PARKSIDE SOUTH SUB LOT 36
Legal Range	02E
Legal Township	24N
Legal Section	30
Legal Subdivision	PARKSIDE SOUTH SUB
Legal Lot Number	36
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	3
Census Block	3062
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	Individual Name on Record
Mailing Address	109 CHELTENHAM DR, NORMAL, IL 61761-2742
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
May 22, 2006	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Apr 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage ILLINOIS STATE CU
May 22, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Aug 2, 2021	Warranty Deed, Transfer · Conventional Mortgage ILLINOIS STATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2021 · Amount on Record
Deed Sale	Aug 2, 2021 · Amount on Record
Deed Document Number	202118351
Last Transfer Date	May 18, 2023
Transfer Doc	0000006509
Record Updated	Oct 29, 2026

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	109 CHELTENHAM DR, NORMAL, IL 61761-2742
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	200600013026
Date	May 22, 2006
Instrument	2006-00013026

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	109 CHELTENHAM DR, NORMAL, IL 61761-2742
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	MCLEAN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202500004733
Date	Apr 10, 2025
Instrument	2025-00004733

Lender

Name	ILLINOIS STATE CU
Type	Credit Union
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	316 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.12%

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLEAN IL
Recording Date	May 22, 2023
Property Address	109 CHELTENHAM DR, NORMAL, IL 61761-2742
Document Number	202300006509
Map Reference	DOC 75-9618
Instrument Date	May 18, 2023
Instrument	2023-00006509
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CHELTENHAM DR, NORMAL, IL 61761-2742
Investor	Possibly a Property Investor

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Aug 2, 2021
Property Address	109 CHELTENHAM DR, NORMAL, IL 61761-2742
Document Number	202100018351
Map Reference	DOC 75-9618
Instrument Date	Jul 23, 2021
Instrument	2021-00018351
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	MCLEAN COUNTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$337.50
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	107 CHELTENHAM DR, NORMAL, IL 61761-2742
Investor	Possibly a Property Investor

Mortgage

Document Number	202100018352
Date	Aug 2, 2021
Instrument	2021-00018352

Lender

Name	ILLINOIS STATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.12%

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		$82,699 (+21.89%) Land $15,432 Building $67,267	$248,097 (+21.89%) Land $46,296 Building $201,801
2024	$5,665.00 (+9.01%)
2023	$5,197.00	$67,849 Land $12,661 Building $55,188	$203,547 Land $37,983 Building $165,564

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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