122 Cheltenham Dr, Normal, IL 61761 Property Records

McLean County property record for 122 Cheltenham Dr, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,428 sqft · built 1976
Lot Size	0.244 acres (10,624 sqft)
Owner	Individual Name on File
Last Sale	$172,000 (Jan 2010)
Tax Bill	$6,463 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2009 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-30-427-012`

Property Details

APN / Parcel Number

Primary APN	`14-30-427-012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,428 sqft Living Area
1st Floor Area	1,428 sqft
Basement Area	1,372 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Roof Material	Asphalt
Lot Area	10,624 sqft (0.244 acres)
Lot Dimensions	128 ft deep x 83 ft wide
Garage Area	580 sqft
Porch	Open Frame Porch
Patio Area	132 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	122 CHELTENHAM DR
City	NORMAL
State	IL
Zip	61761-4343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	PARKSIDE SOUTH SUB LOT 20
Legal Range	02E
Legal Township	24N
Legal Section	30
Legal Subdivision	PARKSIDE SOUTH SUB
Legal Lot Number	20
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	3
Census Block	3061
Census Tract	302

Owner

122 Cheltenham Dr is owned and occupied by an individual who bought it in January 2010.

Source: McLean County records, as of April 8, 2026

Owner of Record	Individual Name on File
Mailing Address	122 CHELTENHAM DR, NORMAL, IL 61761-4343
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage ILLINOIS STATE CU
Nov 2, 2009	Deed of Trust, Mortgage · Line of Credit BANK OF PONTIAC
Apr 20, 2009	Deed of Trust, Mortgage · Line of Credit BANK OF PONTIAC
Jan 14, 2010	Warranty Deed, Transfer · Conventional Mortgage FREESTAR BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2010 · Amount on File
Deed Sale	Jan 14, 2010 · Amount on File
Deed Document Number	20101001
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	122 CHELTENHAM DR, NORMAL, IL 61761-4343
Transaction Type	Mortgage
Record Updated	Apr 13, 2026
Title Company	MCLEAN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100020666
Date	Aug 25, 2021
Instrument	2021-00020666

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2041

Interest

Rate Type	Fixed Rate
Rate	2.75%

November 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	122 CHELTENHAM DR, NORMAL, IL 61761-4343
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200900033599
Date	Nov 2, 2009
Instrument	2009-00033599

Lender

Name	BANK OF PONTIAC
Address	PONTIAC, IL 61764

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Nov 15, 2012

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	122 CHELTENHAM DR, NORMAL, IL 61761-4343
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200900011539
Date	Apr 20, 2009
Instrument	2009-00011539

Lender

Name	BANK OF PONTIAC
Address	PONTIAC, IL 61764

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Apr 15, 2014

January 2010: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jan 14, 2010
Property Address	122 CHELTENHAM DR, NORMAL, IL 61761-4343
Document Number	201000001001
Map Reference	DOC75-9618
Instrument Date	Dec 30, 2009
Instrument	2010-00001001
Transaction Type	Transfer
Record Updated	Apr 13, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258.00
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	202 S ELDORADO RD STE B2, B2, BLOOMINGTON, IL 61704-1614
Mail Care Of	CHARLES N ERICKSON

Mortgage

Document Number	201000001002
Date	Jan 14, 2010
Instrument	2010-00001002

Lender

Name	FREESTAR BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2040

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		$93,431 Land $15,432 Building $77,999	$280,293 Land $46,296 Building $233,997
2024	$6,463.00 (+6.88%)
2023	$6,047.00	$76,654 Land $12,661 Building $63,993	$229,962 Land $37,983 Building $191,979

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

FEMA maps place 122 Cheltenham Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 122 Cheltenham Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% 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 142 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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