400 N Cottage Ave, Normal, IL 61761 Property Records

McLean County property record for 400 N Cottage Ave, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,593 sqft · built 1972
Lot Size	0.278 acres (12,115 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Nov 2025)
Tax Bill	$4,972 (2024)
Deeds & Mortgages	Oct 2017 Line of Credit Nov 2018 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`14-29-204-004`

Property Details

APN / Parcel Number

Primary APN	`14-29-204-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,593 sqft Living Area
1st Floor Area	1,593 sqft
Basement Area	1,560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Roof Material	Asphalt
Lot Area	12,115 sqft (0.278 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Area	572 sqft
Porch	Enclosed Frame Porch
Patio Area	81 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	400 N COTTAGE AVE
City	NORMAL
State	IL
Zip	61761-4208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	GREENVIEW HEIGHTS SUB LOT 1
Legal Range	02E
Legal Township	24N
Legal Section	29
Legal Subdivision	GREENVIEW HEIGHTS
Legal Lot Number	1
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	1
Census Block	1009
Census Tract	302

Owner

400 N Cottage Ave is owned and occupied by an individual who bought it in November 2025.

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

Owner of Record	Individual Name on File
Mailing Address	400 N COTTAGE AVE, NORMAL, IL 61761-4208
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Oct 30, 2017	Deed of Trust, Mortgage · Line of Credit CEFCU
Nov 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Feb 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Jul 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Aug 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 14, 2025	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Nov 14, 2025	Correction Deed · Conventional Mortgage HEARTLAND BANK & TRUST CO
Jan 9, 2023	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2025 · Amount on File
Deed Sale	Nov 14, 2025 · Amount on File
Deed Document Number	202516446
Prior Transfer Date	Dec 30, 2022
Prior Transfer Doc	0000000262
Record Updated	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	400 N COTTAGE AVE, NORMAL, IL 61761-4208
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5401 W EVERETT M DIRKSEN PKWY, PEORIA, IL 61607-1188

Mortgage

Document Number	201700019547
Date	Oct 30, 2017
Instrument	2017-00019547

Lender

Name	CEFCU
Type	Credit Union
Address	PEORIA, IL 61656

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	276 Months
Due	Oct 29, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	400 N COTTAGE AVE, NORMAL, IL 61761-4208
Transaction Type	Mortgage
Record Updated	Dec 3, 2025
Title Company	TITLE SOURCES INC, TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800018295
Date	Nov 5, 2018
Instrument	2018-00018295

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	400 N COTTAGE AVE, NORMAL, IL 61761-4208
Transaction Type	Mortgage
Record Updated	Dec 3, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000002795
Date	Feb 12, 2020
Instrument	2020-00002795

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2040

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	400 N COTTAGE AVE, NORMAL, IL 61761-4208
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900010562
Date	Jul 10, 2019
Instrument	2019-00010562

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	324 Months
Due	Jul 1, 2046

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	400 N COTTAGE AVE, NORMAL, IL 61761-4208
Transaction Type	Mortgage
Record Updated	Dec 3, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000013446
Date	Jul 17, 2020
Instrument	2020-00013446

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2035

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	400 N COTTAGE AVE, NORMAL, IL 61761-4208
Transaction Type	Mortgage
Record Updated	Dec 3, 2025
Title Company	UNKNOWN, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100020487
Date	Aug 24, 2021
Instrument	2021-00020487

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2031

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Oct 14, 2025
Property Address	400 N COTTAGE AVE, NORMAL, IL 61761-4208
Document Number	202500014672
Map Reference	DOC 66-3712
Instrument Date	Sep 24, 2025
Instrument	2025-00014672
Transaction Type	Transfer
Record Updated	Oct 24, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 N COTTAGE AVE, NORMAL, IL 61761-4208

November 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	MCLEAN IL
Recording Date	Nov 14, 2025
Property Address	400 N COTTAGE AVE, NORMAL, IL 61761-4208
Document Number	202500016446
Map Reference	DOC 66-3712
Instrument Date	Sep 24, 2025
Instrument	2025-00016446
Record Updated	Dec 3, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 N COTTAGE AVE, NORMAL, IL 61761-4208

Mortgage

Document Number	202500016447
Date	Nov 14, 2025
Instrument	2025-00016447

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.75%

January 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MCLEAN IL
Recording Date	Jan 9, 2023
Property Address	400 N COTTAGE AVE, NORMAL, IL 61761-4208
Document Number	202300000262
Map Reference	DOC 66-3712
Instrument Date	Dec 30, 2022
Instrument	2023-00000262
Transaction Type	Transfer
Record Updated	Jan 17, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 N COTTAGE AVE, NORMAL, IL 61761-4208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19929 STERLING RD, BLOOMINGTON, IL 61705-5301

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		$79,024 (+9.38%) Land $16,298 Building $62,726	$237,072 (+9.38%) Land $48,894 Building $188,178
2024	$4,972.00 (+8.2%)	$72,244 (+11.68%) Land $14,933 Building $57,311	$216,732 (+11.68%) Land $44,799 Building $171,933
2023	$4,595.00 (+7.84%)	$64,688 (+10.69%) Land $13,371 Building $51,317	$194,064 (+10.69%) Land $40,113 Building $153,951
2022	$4,261.00	$58,441 Land $12,080 Building $46,361	$175,323 Land $36,240 Building $139,083

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 400 N Cottage Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 27, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 400 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.

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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