905 Charlotte Dr, Normal, IL 61761 Property Records

McLean County property record for 905 Charlotte Dr, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 976 sqft · built 1985
Lot Size	0.232 acres (10,480 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Feb 2019)
Tax Bill	$3,720 (2024)
Deeds & Mortgages	Mar 2020 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-21-429-015`

Property Details

APN / Parcel Number

Primary APN	`14-21-429-015`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	976 sqft Living Area
1st Floor Area	976 sqft
Basement Area	912 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	10,480 sqft (0.232 acres)
Lot Dimensions	131 ft deep x 80 ft wide
Garage Area	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	905 CHARLOTTE DR
City	NORMAL
State	IL
Zip	61761-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Description	1ST ADD TO LINFELL ADD LOT 20
Legal Range	02E
Legal Township	24N
Legal Section	21
Legal Subdivision	1ST ADD LINFELL
Legal Lot Number	20
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	1
Census Block	1003
Census Tract	107

Owner

905 Charlotte Dr is owned and occupied by an individual who bought it in February 2019.

Source: McLean County records, as of April 8, 2026

Owner of Record	Individual Name on File
Mailing Address	905 CHARLOTTE DR, NORMAL, IL 61761-1319
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage ILLINOIS STATE CU
Feb 16, 2019	Warranty Deed, Transfer · FHA Mortgage COMPASS MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2019 · Amount on File
Deed Sale	Feb 16, 2019 · Amount on File
Deed Document Number	20192420
Prior Transfer Date	Apr 17, 2012
Prior Transfer Doc	0000010708
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	905 CHARLOTTE DR, NORMAL, IL 61761-1319
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MCLEAN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000004746
Date	Mar 17, 2020
Instrument	2020-00004746

Lender

Name	ILLINOIS STATE CU
Type	Credit Union
Address	36170

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Feb 16, 2019
Property Address	905 CHARLOTTE DR, NORMAL, IL 61761-1319
Document Number	201900002420
Map Reference	DOC 77-7738
Instrument Date	Feb 7, 2019
Instrument	2019-00002420
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Relationship	Tenants by the Entirety
Address	905 CHARLOTTE DR, NORMAL, IL 61761-1319

Mortgage

Document Number	201900002421
Date	Feb 16, 2019
Instrument	2019-00002421

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Fixed Rate
Rate	5.5%

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		$56,553 Land $18,376 Building $38,177	$169,659 Land $55,128 Building $114,531
2024	$3,720.00 (+7.61%)
2023	$3,457.00	$46,398 Land $15,076 Building $31,322	$139,194 Land $45,228 Building $93,966

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

FEMA maps place 905 Charlotte Dr in Zone X, an area of minimal flood risk.

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 Policies	2 in force

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

The area around 905 Charlotte Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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 447 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Watch TV.

Nearby Properties on Charlotte Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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