311 N Cottage Ave, Normal, IL 61761 Property Records

McLean County property record for 311 N Cottage Ave, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,393 sqft · built 1994
Lot Size	0.234 acres (10,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Jul 2024)
Tax Bill	$7,639 (2024)
Deeds & Mortgages	May 2023 Mortgage Mar 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-29-127-033`

Property Details

APN / Parcel Number

Primary APN	`14-29-127-033`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,393 sqft Living Area
1st Floor Area	1,193 sqft
Basement Area	99 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
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	712 sqft
Porch	Open Frame Porch
Patio Area	345 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	311 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	3RD ADD TO GREENVIEW WEST SUB TO NORMAL LOT 72 CHANGED TO 3RD ADD PER PLAT
Legal Range	02E
Legal Township	24N
Legal Section	29
Legal Subdivision	GREENVIEW WEST SUB
Legal Lot Number	72
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	2
Census Block	2009
Census Tract	302

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	2 Individual Names on Record
Mailing Address	311 N COTTAGE AVE, NORMAL, IL 61761-4264
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Deed of Trust, Mortgage · Commercial Mortgage AMERICAN COMMUNITY BANK
Mar 8, 2023	Deed of Trust, Mortgage · Line of Credit AMERICAN COMMUNITY BANK OF INDIANA
Jun 19, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERICAN COMMUNITY BANK OF INDIANA
Oct 2, 2019	Deed of Trust, Mortgage · Line of Credit IAA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2024 · Amount on Record
Deed Sale	Jul 16, 2024 · Amount on Record
Prior Sale	Jun 19, 2020 · Amount on Record
Deed Document Number	20249956
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	311 N COTTAGE AVE, NORMAL, IL 61761-4264
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300006243
Date	May 17, 2023
Instrument	2023-00006243

Lender

Name	AMERICAN COMMUNITY BANK
Type	Bank
Address	SAINT JOHN, IN 46373

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2033

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	311 N COTTAGE AVE, NORMAL, IL 61761-4264
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300002899
Date	Mar 8, 2023
Instrument	2023-00002899

Lender

Name	AMERICAN COMMUNITY BANK OF INDIANA
Type	Bank
Address	SAINT JOHN, IN 46373

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Min Rate At Change	4.25%
Max Rate	18%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jun 19, 2020
Property Address	311 N COTTAGE AVE, NORMAL, IL 61761-4264
Document Number	202000011026
Map Reference	DOC 92-18471
Instrument Date	Jun 5, 2020
Instrument	2020-00011026
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	NOT AVAILABLE, FTC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$337.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	311 N COTTAGE AVE, NORMAL, IL 61761-4264

Mortgage

Document Number	202000011027
Date	Jun 19, 2020
Instrument	2020-00011027

Lender

Name	AMERICAN COMMUNITY BANK OF INDIANA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Interest

Rate	3.25%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	311 N COTTAGE AVE, NORMAL, IL 61761-4264
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	MCLEAN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900015748
Date	Oct 2, 2019
Instrument	2019-00015748

Lender

Name	IAA CU
Type	Credit Union
Address	BLOOMINGTON, IL 61702

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$109,242 (+21.89%) Land $14,577 Building $94,665	$327,726 (+21.89%) Land $43,731 Building $283,995
2024	$7,639.00 (+6.73%)
2023	$7,157.00	$89,625 Land $11,959 Building $77,666	$268,875 Land $35,877 Building $232,998

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 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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