404 N Cottage Ave, Normal, IL 61761 Property Records

McLean County property record for 404 N Cottage Ave, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,740 sqft · built 1969
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on Record
Last Sale	$167,000 (Aug 2016)
Tax Bill	$5,646 (2024)
Deeds & Mortgages	Jan 2024 Line of Credit Apr 2015 Line of Credit + 10 more
Flood Zone	Zone X (minimal risk)
APN	`14-29-204-002`

Property Details

APN / Parcel Number

Primary APN	`14-29-204-002`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,740 sqft Living Area
1st Floor Area	1,740 sqft
Basement Area	1,739 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Area	500 sqft
Porch	Open Frame Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	404 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 HEIGHT SUB LOT 3
Legal Range	02E
Legal Township	24N
Legal Section	29
Legal Subdivision	GREENVIEW HEIGHT
Legal Lot Number	3
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	1
Census Block	1009
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	Individual Name on Record
Mailing Address	404 N COTTAGE AVE, NORMAL, IL 61761-4208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2024	Deed of Trust, Mortgage · Line of Credit IAA CU
Apr 18, 2015	Deed of Trust, Mortgage · Line of Credit ISU CU
May 22, 2009	Deed of Trust, Mortgage HEARTLAND BANK & TRUST CO
Sep 28, 2012	Deed of Trust, Mortgage · Conventional Mortgage ISU CU
Jan 7, 2016	Deed of Trust, Mortgage ILLINOIS STATE CU
Nov 29, 2006	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK & TRUST CO
Jun 8, 2007	Deed of Trust, Mortgage · Line of Credit HEARTLAND BANK
Jun 24, 2013	Deed of Trust, Mortgage ISU CREDIT UNION
Dec 29, 2015	Deed of Trust, Mortgage · ARM ILLINOIS STATE CU
Jun 24, 2013	Deed of Trust, Mortgage · Conventional Mortgage ISU CU
Sep 28, 2012	Deed of Trust, Mortgage · Line of Credit ISU CU
Sep 28, 2005	Trustee's Deed, Foreclosure · ARM HEARTLAND BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2016 · Amount on Record
Deed Sale	Aug 4, 2016 · Amount on Record
Prior Sale	Sep 28, 2005 · Amount on Record
Deed Document Number	201614452
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	404 N COTTAGE AVE, NORMAL, IL 61761-4208
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	MCLEAN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202400000107
Date	Jan 3, 2024
Instrument	2024-00000107

Lender

Name	IAA CU
Type	Credit Union
Address	BLOOMINGTON, IL 61702

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 2, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	404 N COTTAGE AVE, NORMAL, IL 61761-4208
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201500006530
Date	Apr 18, 2015
Instrument	2015-00006530

Lender

Name	ISU CU
Address	NORMAL, IL 61761

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 17, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	404 N COTTAGE AVE, NORMAL, IL 61761-4208
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200900015488
Date	May 22, 2009
Instrument	2009-00015488

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61705

Agreement

Amount	Amount Recorded
Term	333 Months
Due	Feb 1, 2037

September 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	404 N COTTAGE AVE, NORMAL, IL 61761-4208
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201200024507
Date	Sep 28, 2012
Instrument	2012-00024507

Lender

Name	ISU CU
Address	NORMAL, IL 61761

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2042

January 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	404 N COTTAGE AVE, NORMAL, IL 61761-4208
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201600000264
Date	Jan 7, 2016
Instrument	2016-00000264

Lender

Name	ILLINOIS STATE CU
Address	NORMAL, IL 61761

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Jan 1, 2023

November 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	404 N COTTAGE AVE, NORMAL, IL 61761-4208
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200600032868
Date	Nov 29, 2006
Instrument	2006-00032868

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2036

June 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	404 N COTTAGE AVE, NORMAL, IL 61761-4208
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200700014372
Date	Jun 8, 2007
Instrument	2007-00014372

Lender

Name	HEARTLAND BANK
Type	Bank
Address	BLOOMINGTON, IL 61702

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	404 N COTTAGE AVE, NORMAL, IL 61761-4208
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	MCLEAN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201300016120
Date	Jun 24, 2013
Instrument	2013-00016120

Lender

Name	ISU CREDIT UNION
Address	NORMAL, IL 61761

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jun 28, 2033

December 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	404 N COTTAGE AVE, NORMAL, IL 61761-4208
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	MCLEAN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201500024572
Date	Dec 29, 2015
Instrument	2015-00024572

Lender

Name	ILLINOIS STATE CU
Address	BLOOMINGTON, IL 61704

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jan 1, 2021
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	5%
Index	1-Year LIBOR
Max Rate	8%

June 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	404 N COTTAGE AVE, NORMAL, IL 61761-4208
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	MCLEAN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201300016119
Date	Jun 24, 2013
Instrument	2013-00016119

Lender

Name	ISU CU
Address	NORMAL, IL 61761

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2038

Interest

Rate Type	Fixed Rate
Rate	3.25%

September 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	404 N COTTAGE AVE, NORMAL, IL 61761-4208
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201200024508
Date	Sep 28, 2012
Instrument	2012-00024508

Lender

Name	ISU CU
Address	NORMAL, IL 61761

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 27, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2005: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MCLEAN IL
Recording Date	Sep 28, 2005
Property Address	404 N COTTAGE AVE, NORMAL, IL 61761-4208
Document Number	200500029373
Map Reference	DOC66-3712
Instrument Date	Sep 22, 2005
Instrument	2005-00029373
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 N COTTAGE AVE, NORMAL, IL 61761-4208

Mortgage

Document Number	200500029374
Date	Sep 28, 2005
Instrument	2005-00029374

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Oct 1, 2006
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	12%
Index	1-Year LIBOR
Max Rate	8%

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		$82,449 (+21.89%) Land $16,298 Building $66,151	$247,347 (+21.89%) Land $48,894 Building $198,453
2024	$5,646.00 (+7.03%)
2023	$5,275.00	$67,643 Land $13,371 Building $54,272	$202,929 Land $40,113 Building $162,816

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 104 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
Watch TV Fixed Wireless	100 / 20

May also be available: Pavlov Media.

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