McLean County property record for 305 N Cottage Ave, Normal, IL 61761
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,062 sqft · built 1995 |
| Lot Size | 0.234 acres (10,200 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,089 (2024) |
| Deeds & Mortgages | Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-29-127-036 |
| Primary APN | 14-29-127-036 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,062 sqft Living Area |
| 1st Floor Area | 904 sqft |
| Basement Area | 904 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 10,200 sqft (0.234 acres) |
| Lot Dimensions | 120 ft deep x 85 ft wide |
| Garage Area | 587 sqft |
| Porch | Open Frame Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 305 N COTTAGE AVE |
|---|---|
| City | NORMAL |
| State | IL |
| Zip | 61761-4264 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A |
| Legal Description | LOT 75 THIRD ADD TO GREENVIEW WEST SUB |
| Legal Range | 02E |
| Legal Township | 24N |
| Legal Section | 29 |
| Legal Subdivision | GREENVIEW WEST SUB |
| Legal Lot Number | 75 |
| Jurisdiction | MCLEAN IL |
| Township / Civil Division | NORMAL |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 302 |
305 N Cottage Ave is owned and occupied by two individuals.
Source: McLean County records, as of April 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 305 N COTTAGE AVE, NORMAL, IL 61761-4264 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 305 N COTTAGE AVE, NORMAL, IL 61761-4264 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2017-00019704 |
|---|---|
| Date | Oct 31, 2017 |
| Instrument | 2017-00019704 |
| Name | PNC MORTGAGE LLC |
|---|---|
| Type | Lending Institution |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2032 |
Source: McLean County assessment roll, as of April 8, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $101,838 Land $14,577 Building $87,261 | $305,514 Land $43,731 Building $261,783 | |
| 2024 | $7,089.00 (+6.81%) | ||
| 2023 | $6,637.00 | $83,550 Land $11,959 Building $71,591 | $250,650 Land $35,877 Building $214,773 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 305 N Cottage Ave 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 | 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.
The area around 305 N Cottage Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 437 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 |
May also be available: Frontier, Pavlov Media, Watch TV.
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