604 S Cottage Ave, Normal, IL 61761 Property Records

McLean County property record for 604 S Cottage Ave, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,052 sqft · built 1972
Lot Size	0.189 acres (8,243 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Jan 2013)
Tax Bill	$4,361 (2024)
Deeds & Mortgages	Sep 2020 Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-29-451-009`

Property Details

APN / Parcel Number

Primary APN	`14-29-451-009`

Interior

Bedrooms	3 Beds
Total Rooms	5 Rooms
Building Area	1,052 sqft Living Area
1st Floor Area	1,052 sqft
Basement Area	988 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Roof Material	Asphalt
Lot Area	8,243 sqft (0.189 acres)
Lot Dimensions	136 ft deep x 61 ft wide
Garage Area	600 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	604 S COTTAGE AVE
City	NORMAL
State	IL
Zip	61761-2737
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	1ST ADD KINGSRIDGE SUB LOT 20
Legal Range	02E
Legal Township	24N
Legal Section	29
Legal Subdivision	KINGSRIDGE SUB
Legal Lot Number	20
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	2
Census Block	2010
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	604 S COTTAGE AVE, NORMAL, IL 61761-2737
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2020	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Mar 29, 2022	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2013 · Amount on Record
Deed Sale	Jan 29, 2013 · Amount on Record
Prior Sale	May 14, 2012
Deed Document Number	20132827
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	604 S COTTAGE AVE, NORMAL, IL 61761-2737
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 S COTTAGE AVE, NORMAL, IL 61761-2737

Mortgage

Document Number	202000018195
Date	Sep 10, 2020
Instrument	2020-00018195

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	278 Months
Due	Nov 1, 2043

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	604 S COTTAGE AVE, NORMAL, IL 61761-2737
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 S COTTAGE AVE, NORMAL, IL 61761-2737

Mortgage

Document Number	202200005686
Date	Mar 29, 2022
Instrument	2022-00005686

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	260 Months
Due	Nov 1, 2043

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		$65,173 (+21.89%) Land $11,461 Building $53,712	$195,519 (+21.89%) Land $34,383 Building $161,136
2024	$4,361.00 (+7.36%)
2023	$4,062.00	$53,470 Land $9,403 Building $44,067	$160,410 Land $28,209 Building $132,201

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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 442 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, Watch TV.

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