445 S Adelaide St, Normal, IL 61761 Property Records

McLean County property record for 445 S Adelaide St, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,104 sqft · built 1948
Lot Size	0.259 acres (10,725 sqft)
Owner	Individual Name on Record
Last Sale	$137,000 (Oct 2020)
Tax Bill	$3,933 (2024)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-29-480-003`

Property Details

APN / Parcel Number

Primary APN	`14-29-480-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
1st Floor Area	1,104 sqft
Basement Area	240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Roof Material	Asphalt
Lot Area	10,725 sqft (0.259 acres)
Lot Dimensions	165 ft deep x 65 ft wide
Garage Area	1,040 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	445 S ADELAIDE ST
City	NORMAL
State	IL
Zip	61761-2924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	CAMPBELLS SUB N65 S271, E175 LOT 8
Legal Range	02E
Legal Township	24N
Legal Section	29
Legal Subdivision	CAMPBELLS SUB
Legal Lot Number	8
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	2
Census Block	2018
Census Tract	301

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	445 S ADELAIDE ST, NORMAL, IL 61761-2924
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2020 · Amount on Record
Deed Sale	Oct 16, 2020 · Amount on Record
Prior Sale	Jan 4, 2012 · Amount on Record
Deed Document Number	202021824
Prior Transfer Date	Feb 1, 2011
Prior Transfer Doc	0000005238
Record Updated	Sep 20, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Oct 16, 2020
Property Address	445 S ADELAIDE ST, NORMAL, IL 61761-2924
Document Number	202000021824
Instrument Date	Aug 21, 2020
Instrument	2020-00021824
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$205.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 S ADELAIDE ST, NORMAL, IL 61761-2924

Mortgage

Document Number	202000021825
Date	Oct 16, 2020
Instrument	2020-00021825

Lender

Name	CROSSCOUNTRY MORTGAGE LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.25%

Mortgage

Document Number	202000021826
Date	Oct 16, 2020
Instrument	2020-00021826

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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		$59,426 (+21.89%) Land $12,213 Building $47,213	$178,278 (+21.89%) Land $36,639 Building $141,639
2024	$3,933.00 (+7.49%)
2023	$3,659.00	$48,755 Land $10,020 Building $38,735	$146,265 Land $30,060 Building $116,205

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1981)
Most Recent Claim	Jul 1981 · rainfall accumulation

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 535 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Pavlov Media, Watch TV.

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