McLean County property record for 1616 Cutter Ct, Normal, IL 61761 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,749 sqft · built 1989 |
| Lot Size | 0.205 acres (8,949 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $164,000 (Nov 2023) |
| Tax Bill | $5,754 (2024) |
| Deeds & Mortgages | Oct 2025 Mortgage Nov 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-22-105-001 |
| Primary APN | 14-22-105-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,749 sqft Living Area |
| 1st Floor Area | 1,029 sqft |
| Basement Area | 336 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 8,949 sqft (0.205 acres) |
| Lot Dimensions | 110 ft deep x 80 ft wide |
| Garage Area | 420 sqft |
| Porch | Open Frame Porch |
| Patio Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1616 CUTTER CT |
|---|---|
| City | NORMAL |
| State | IL |
| Zip | 61761-4817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FIRST ADD TO CARRIAGE HILLS SUB LOT 66 |
| Legal Range | 02E |
| Legal Township | 24N |
| Legal Section | 22 |
| Legal Subdivision | CARRIAGE HILLS |
| Legal Lot Number | 66 |
| Jurisdiction | MCLEAN IL |
| Township / Civil Division | NORMAL |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 109 |
Source: McLean County records · APN 14-22-105-001
Assessment roll updated April 8, 2026 · Last verified May 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 | 1616 CUTTER CT, NORMAL, IL 61761-4817 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 21, 2025 | Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC |
| Nov 02, 2023 | Warranty Deed, Transfer · FHA Mortgage LOW VA RATES LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 02, 2023 · Amount on Record |
| Deed Sale | Nov 02, 2023 · Amount on Record |
| Deed Document Number | 202315092 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 1616 CUTTER CT, NORMAL, IL 61761-4817 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1616 CUTTER CT, NORMAL, IL 61761-4817 |
| Document Number | 202500014883 |
|---|---|
| Date | Oct 21, 2025 |
| Instrument | 2025-00014883 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Nov 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Nov 02, 2023 |
| Property Address | 1616 CUTTER CT, NORMAL, IL 61761-4817 |
| Document Number | 202300015092 |
| Map Reference | DOC 1987-00021427 |
| Instrument Date | Oct 30, 2023 |
| Instrument | 2023-00015092 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2023 |
| Title Company | ILLINOIS TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $246.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1616 CUTTER CT, NORMAL, IL 61761-4817 |
| Document Number | 202300015093 |
|---|---|
| Date | Nov 02, 2023 |
| Instrument | 2023-00015093 |
| Name | LOW VA RATES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7% |
Source: McLean County records · Assessment roll updated April 8, 2026 · Last verified May 2026
| 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) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $83,903 (+21.89%) Land $16,091 Building $67,812 | $251,709 (+21.89%) Land $48,273 Building $203,436 | |
| 2024 | $5,754.00 (+16.24%) | ||
| 2023 | $4,950.00 (+7.66%) | $68,836 (+10.69%) Land $13,201 Building $55,635 | $206,508 (+10.69%) Land $39,603 Building $166,905 |
| 2022 | $4,598.00 | $62,188 Land $11,926 Building $50,262 | $186,564 Land $35,778 Building $150,786 |
Source: FEMA National Flood Hazard Layer, McLean County (17113C), updated June 27, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171130001091, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 2 individual NFIP policies nearby |
| Nearby Flood Policies | 2 in force 2 of 2 on primary residences |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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