906 S Cottage Ave, Normal, IL 61761 Property Records

McLean County property record for 906 S Cottage Ave, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1967
Lot Size	0.127 acres (5,544 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Sep 2021)
Tax Bill	$2,939 (2024)
Deeds & Mortgages	Mar 2021 Line of Credit Sep 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-32-201-007`

Property Details

APN / Parcel Number

Primary APN	`14-32-201-007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Roof Material	Asphalt
Lot Area	5,544 sqft (0.127 acres)
Lot Dimensions	123 ft deep x 45 ft wide
Garage Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	906 S COTTAGE AVE
City	NORMAL
State	IL
Zip	61761-3301
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	SEVENTEENTH ADD TO NORMAL LOT 11 BLK 1
Legal Range	02E
Legal Township	24N
Legal Section	32
Legal Subdivision	SEVENTEENTH ADD
Legal Block	1
Legal Lot Number	11
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	3
Census Block	3010
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	906 S COTTAGE AVE, NORMAL, IL 61761-3301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2021	Deed of Trust, Mortgage · Line of Credit HEARTLAND BANK & TRUST CO
Sep 10, 2021	Warranty Deed, Transfer · FHA Mortgage FIRST STATE MORTGAGE SERVICES LLC
Aug 3, 2020	Warranty Deed, Transfer SERVICELINK CRS, SERVICELINK LLC
Dec 23, 2019	Sheriff's Deed, Foreclosure PREMIER TITLE COMPANY, PREMIER TITLE
Mar 7, 2018	Warranty Deed, Transfer · FHA Mortgage MORTGAGE SERVICES III LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2021 · Amount on Record
Deed Sale	Sep 10, 2021 · Amount on Record
Prior Sale	Aug 3, 2020 · Amount on Record
Deed Document Number	202121926
Prior Transfer Date	Nov 22, 2006
Prior Transfer Doc	0000035971
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	906 S COTTAGE AVE, NORMAL, IL 61761-3301
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100007138
Date	Mar 26, 2021
Instrument	2021-00007138

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61702

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	3 Months
Due	Jun 15, 2021

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Sep 10, 2021
Property Address	906 S COTTAGE AVE, NORMAL, IL 61761-3301
Document Number	202100021926
Instrument Date	Aug 30, 2021
Instrument	2021-00021926
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	NOT AVAILABLE, FTC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$187.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	906 S COTTAGE AVE, NORMAL, IL 61761-3301

Mortgage

Document Number	202100021927
Date	Sep 10, 2021
Instrument	2021-00021927

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Aug 3, 2020
Property Address	906 S COTTAGE AVE, NORMAL, IL 61761-3301
Document Number	202000014838
Instrument Date	Jun 18, 2020
Instrument	2020-00014838
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	SERVICELINK CRS, SERVICELINK LLC

Transaction

Amount	Amount Recorded
Tax	$95.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11511 LUNA RD, 11511, DALLAS, TX 75234-6449

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 S FELL AVE, NORMAL, IL 61761-3632

December 2019: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	MCLEAN IL
Recording Date	Dec 23, 2019
Property Address	906 S COTTAGE AVE, NORMAL, IL 61761-3301
Document Number	201900021251
Instrument Date	Nov 5, 2019
Instrument	2019-00021251
Transaction Type	Foreclosure
Record Updated	Aug 5, 2022
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11511 LUNA RD, FARMERS BRANCH, TX 75234-6449
Mail Care Of	PAT LUNA

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Mar 7, 2018
Property Address	906 S COTTAGE AVE, NORMAL, IL 61761-3301
Document Number	201800003662
Instrument Date	Feb 20, 2018
Instrument	2018-00003662
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$114.00
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	906 S COTTAGE AVE, NORMAL, IL 61761-3301

Mortgage

Document Number	201800003663
Date	Mar 7, 2018
Instrument	2018-00003663

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.5%
Change Frequency	2 Years

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		$46,059 (+21.89%) Land $8,454 Building $37,605	$138,177 (+21.89%) Land $25,362 Building $112,815
2024	$2,939.00 (+8.05%)
2023	$2,720.00	$37,788 Land $6,936 Building $30,852	$113,364 Land $20,808 Building $92,556

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 Policies	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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
Also Mapped Here	BLOOMINGTON
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 331 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

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