McLean County property record for 810 S Cottage Ave, Normal, IL 61761
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,053 sqft · built 1961 |
| Lot Size | 0.206 acres (8,976 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $93,000 (Jun 2013) |
| Tax Bill | $4,235 (2024) |
| Deeds & Mortgages | Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-29-451-020 |
| Primary APN | 14-29-451-020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,053 sqft Living Area |
| 1st Floor Area | 1,053 sqft |
| Basement Area | 648 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Roof Material | Asphalt |
| Lot Area | 8,976 sqft (0.206 acres) |
| Lot Dimensions | 136 ft deep x 66 ft wide |
| Garage Area | 420 sqft |
| Porch | Open Frame Porch |
| Patio Area | 90 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 810 S COTTAGE AVE |
|---|---|
| City | NORMAL |
| State | IL |
| Zip | 61761-4312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1B |
| Legal Description | HIGHPOINT TERRACE LOT 2 |
| Legal Range | 02E |
| Legal Township | 24N |
| Legal Section | 29 |
| Legal Subdivision | HIGHPOINT TERRACE |
| Legal Lot Number | 2 |
| Jurisdiction | MCLEAN IL |
| Township / Civil Division | NORMAL |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 301 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 16987 E 775 NORTH RD, HEYWORTH, IL 61745-9206 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2013 · Amount on Record |
| Deed Sale | Jun 27, 2013 · Amount on Record |
| Prior Sale | Jan 31, 2012 · Amount on Record |
| Deed Document Number | 201316443 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 810 S COTTAGE AVE, NORMAL, IL 61761-4312 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2020 |
| Title Company | ALLIANCE LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 202000000717 |
|---|---|
| Date | Jan 11, 2020 |
| Instrument | 2020-00000717 |
| Name | CITIZENS EQUITY FIRST CU |
|---|---|
| Type | Credit Union |
| Address | PEORIA, IL 61615 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 1, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Min Rate At Change | 4% |
| Max Rate | 8% |
Source: McLean County assessment roll, as of April 8, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $56,932 (+21.88%) Land $12,411 Building $44,521 | $170,796 (+21.88%) Land $37,233 Building $133,563 | |
| 2024 | $4,235.00 (+5.95%) | ||
| 2023 | $3,997.00 | $46,710 Land $10,183 Building $36,527 | $140,130 Land $30,549 Building $109,581 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% 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.
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 |
| 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.
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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