115 W Locust St, Normal, IL 61761 Property Records

McLean County property record for 115 W Locust St, Normal, IL 61761

Property Summary

Property Type	Commercial
Details	16 bd · 10,360 sqft · built 1981
Lot Size	0.287 acres (12,408 sqft)
Owner	Company Name on Record
Last Sale	$504,500 (May 2008)
Tax Bill	$14,278 (2024)
Deeds & Mortgages	Aug 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14-28-277-024`

Property Details

APN / Parcel Number

Primary APN	`14-28-277-024`

Interior

Bedrooms	16 Beds
Units	18 Units
Stories	2 Stories
Building Area	10,360 sqft Living Area
1st Floor Area	3,456 sqft
Basement Area	3,456 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,408 sqft (0.287 acres)
Lot Dimensions	132 ft deep x 94 ft wide

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	115 W LOCUST ST
City	NORMAL
State	IL
Zip	61761-4503
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	R-3A
Legal Description	NORMAL 1ST ADD W28 LOT 6 & LOT 7 BLK C
Legal Range	02E
Legal Township	24N
Legal Section	28
Legal Subdivision	NORMAL 1ST ADD
Legal Block	C
Legal Lot Number	6,7
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	1
Census Block	1006
Census Tract	106

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2008 · Amount on Record
Deed Sale	May 16, 2008 · Amount on Record
Deed Document Number	200813757
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	115 W LOCUST ST, NORMAL, IL 61761-4503
Transaction Type	Mortgage
Record Updated	Apr 30, 2024
Title Company	ALLIANCE LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100020236
Date	Aug 20, 2021
Instrument	2021-00020236

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 15, 2026

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Change Frequency	Monthly
Min Rate At Change	3.5%
Max Rate	8.5%

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		$173,620 (-) Land $55,092 Building $118,528	$520,860 (-) Land $165,276 Building $355,584
2024	$14,278.00 (-3.91%)
2023	$14,859.00	$173,620 Land $41,531 Building $132,089	$520,860 Land $124,593 Building $396,267

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	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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