1614 Cutter Ct, Normal, IL 61761 Property Records

McLean County property record for 1614 Cutter Ct, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,462 sqft · built 1993
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (May 2023)
Tax Bill	$5,252 (2024)
Deeds & Mortgages	Apr 2026 Mortgage May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-22-105-009`

Property Details

APN / Parcel Number

Primary APN	`14-22-105-009`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,462 sqft Living Area
1st Floor Area	714 sqft
Basement Area	696 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	110 ft deep x 65 ft wide
Garage Area	380 sqft
Porch	Open Frame Porch
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1614 CUTTER CT
City	NORMAL
State	IL
Zip	61761-4817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	LOT 120 CARRIAGE HILLS 3RD
Legal Range	02E
Legal Township	24N
Legal Section	22
Legal Subdivision	CARRIAGE HILLS
Legal Lot Number	120
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	1
Census Block	1023
Census Tract	109

Owner

Source: McLean County assessment roll, 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 File
Mailing Address	1614 CUTTER CT, NORMAL, IL 61761-4817
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE
May 24, 2023	Warranty Deed, Transfer · Conventional Mortgage ARVEST BANK
Jul 25, 2018	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE SERVICES III LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 24, 2023 · Amount on Record
Deed Sale	May 24, 2023 · Amount on Record
Prior Sale	Jul 25, 2018 · Amount on Record
Deed Document Number	20236605
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Recording Date	Apr 7, 2026
Property Address	1614 CUTTER CT, NORMAL, IL 61761-4817
Document Number	202600004636
Instrument Date	Mar 18, 2026
Instrument	20264636
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	1614 CUTTER CT, NORMAL, IL 61761-4817

Mortgage

Document Number	0000004636,
Date	Apr 7, 2026
Instrument	20264636

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.95%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	May 24, 2023
Property Address	1614 CUTTER CT, NORMAL, IL 61761-4817
Document Number	202300006605
Map Reference	DOC 91-9400
Instrument Date	May 18, 2023
Instrument	2023-00006605
Transaction Type	Transfer
Record Updated	Jun 19, 2023
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
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	1614 CUTTER CT, NORMAL, IL 61761-4817

Mortgage

Document Number	202300006608
Date	May 24, 2023
Instrument	2023-00006608

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.37%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jul 25, 2018
Property Address	1614 CUTTER CT, NORMAL, IL 61761-4817
Document Number	201800011885
Map Reference	DOC91-9400
Instrument Date	Apr 26, 2018
Instrument	2018-00011885
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	MCLEAN COUNTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1614 CUTTER CT, NORMAL, IL 61761-4817

Mortgage

Document Number	201800011886
Date	Jul 25, 2018
Instrument	2018-00011886

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

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		$77,158 (+21.89%) Land $12,939 Building $64,219	$231,474 (+21.89%) Land $38,817 Building $192,657
2024	$5,252.00 (+7.1%)
2023	$4,904.00	$63,302 Land $10,615 Building $52,687	$189,906 Land $31,845 Building $158,061

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	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 474 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Metronet Holdings Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Benton Ridge Telephone Company Fixed Wireless	100 / 20

May also be available: AT&T, Pavlov Media.

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