712 S Cottage Ave, Normal, IL 61761 Property Records

McLean County property record for 712 S Cottage Ave, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,232 sqft · built 1962
Lot Size	0.24 acres (10,459 sqft)
Owner	Company Name on Record
Last Sale	$110,000 (Mar 2019)
Tax Bill	$3,962 (2024)
Deeds & Mortgages	Mar 2024 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-29-451-015`

Property Details

APN / Parcel Number

Primary APN	`14-29-451-015`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	10,459 sqft (0.24 acres)
Lot Dimensions	136 ft deep x 77 ft wide
Garage Area	528 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	712 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	HIGHPOINT TERRACE SUB N22 LOT 7 & S55 LOT 8
Legal Range	02E
Legal Township	24N
Legal Section	29
Legal Subdivision	HIGHPOINT TERRACE SUB
Legal Lot Number	7,8
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	2
Census Block	2010
Census Tract	301

Owner

Source: McLean County records, as of June 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	2401 E EMPIRE ST, B, BLOOMINGTON, IL 61704-8222
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2024	Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE BANK
Mar 22, 2019	Executor's Deed, Transfer · Commercial Mortgage ILLINOIS NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2019 · Amount on Record
Deed Sale	Mar 22, 2019 · Amount on Record
Deed Document Number	20194115
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	712 S COTTAGE AVE, NORMAL, IL 61761-4311
Transaction Type	Mortgage
Record Updated	Mar 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202400002709
Date	Mar 6, 2024
Instrument	2024-00002709

Lender

Name	FIRST STATE BANK
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 1, 2029

March 2019: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	MCLEAN IL
Recording Date	Mar 22, 2019
Property Address	712 S COTTAGE AVE, NORMAL, IL 61761-4311
Document Number	201900004115
Instrument Date	Mar 14, 2019
Instrument	2019-00004115
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	MCLEAN COUNTY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
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	2401 E EMPIRE ST STE B, B, BLOOMINGTON, IL 61704-8222
Investor	Possibly a Property Investor

Mortgage

Document Number	201900004116
Date	Mar 22, 2019
Instrument	2019-00004116

Lender

Name	ILLINOIS NATIONAL BANK
Type	Bank

Agreement

Type	Commercial 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		$53,266 (+21.88%) Land $14,477 Building $38,789	$159,798 (+21.88%) Land $43,431 Building $116,367
2024	$3,962.00 (+5.94%)
2023	$3,740.00	$43,702 Land $11,878 Building $31,824	$131,106 Land $35,634 Building $95,472

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

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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