704 S Cottage Ave, Normal, IL 61761 Property Records

McLean County property record for 704 S Cottage Ave, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,080 sqft · built 1950
Lot Size	0.249 acres (10,866 sqft)
Owner	Individual Name on File
Last Sale	$202,000 (Jul 2025)
Tax Bill	$4,372 (2024)
Deeds & Mortgages	Jul 2021 Sale Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-29-451-011`

Property Details

APN / Parcel Number

Primary APN	`14-29-451-011`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Roof Material	Asphalt
Lot Area	10,866 sqft (0.249 acres)
Lot Dimensions	139 ft deep x 80 ft wide
Garage Area	572 sqft
Porch	Enclosed Frame Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	704 S COTTAGE AVE
City	NORMAL
State	IL
Zip	61761-4311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	STEVENS SUB S 1/2 LOT 12 CAMPBELLS SUB (EXW3 ST) W139 LOT 3
Legal Range	02E
Legal Township	24N
Legal Section	29
Legal Subdivision	STEVENS SUB
Legal Lot Number	12,3
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	2
Census Block	2010
Census Tract	301

Owner

Source: McLean County assessment roll, 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 File
Mailing Address	704 S COTTAGE AVE, NORMAL, IL 61761-4311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2021	Warranty Deed, Transfer MCLEAN COUNTY TITLE
Sep 20, 2017	Warranty Deed, Transfer · Conventional Mortgage ALPINE BANK & TRUST CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 3, 2025 · Amount on Record
Deed Sale	Jul 3, 2025 · Amount on Record
Prior Sale	Jul 2, 2021 · Amount on Record
Deed Document Number	20259036
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jul 2, 2021
Property Address	704 S COTTAGE AVE, NORMAL, IL 61761-4311
Document Number	202100015871
Instrument Date	Jun 14, 2021
Instrument	2021-00015871
Transaction Type	Transfer
Record Updated	Jul 14, 2021
Title Company	MCLEAN COUNTY TITLE

Transaction

Amount	Amount Recorded
Tax	$227.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	13647 FAWN DR, BLOOMINGTON, IL 61705-7830

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Sep 20, 2017
Property Address	704 S COTTAGE AVE, NORMAL, IL 61761-4311
Document Number	201700017054
Instrument Date	Sep 13, 2017
Instrument	2017-00017054
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	MCLEAN COUNTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$197.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 S COTTAGE AVE, NORMAL, IL 61761-4311

Mortgage

Document Number	201700017055
Date	Sep 20, 2017
Instrument	2017-00017055

Lender

Name	ALPINE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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		$58,772 (+21.89%) Land $15,027 Building $43,745	$176,316 (+21.89%) Land $45,081 Building $131,235
2024	$4,372.00 (+5.96%)
2023	$4,126.00	$48,219 Land $12,329 Building $35,890	$144,657 Land $36,987 Building $107,670

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 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

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 Holdings Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Benton Ridge Telephone Company, Frontier.

Nearby Properties on S Cottage Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures