98 W Cypress St, Normal, IL 61761 Property Records

McLean County property record for 98 W Cypress St, Normal, IL 61761

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 2012
Lot Size	0.171 acres (7,427 sqft)
Owner	Company Name on Record
Tax Bill	$5,606 (2024)
Deeds & Mortgages	Jun 2021 Line of Credit Nov 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`14-28-228-028`

Property Details

APN / Parcel Number

Primary APN	`14-28-228-028`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	7,427 sqft (0.171 acres)
Lot Dimensions	125 ft deep x 59.2 ft wide
Garage Area	484 sqft
Porch	Open Frame Porch
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	98 W CYPRESS ST
City	NORMAL
State	IL
Zip	61761-1790
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1B
Legal Description	SEC 28-24-2E LIPIC SUB 4TH ADD LOT 7
Legal Subdivision	LIPIC SUB
Legal Lot Number	7
Jurisdiction	MCLEAN IL
Township / Civil Division	NORMAL
Census Block Group	1
Census Block	1001
Census Tract	106

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	Company Name on Record
Mailing Address	PO BOX 938, BLOOMINGTON, IL 61702-0938
Owner Type	Company
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Deed of Trust, Mortgage · Line of Credit HEARTLAND BANK & TRUST CO
Nov 2, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 29, 2015
Transfer Doc	0000012340
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	98 W CYPRESS ST, NORMAL, IL 61761-1790
Transaction Type	Mortgage
Record Updated	Jun 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100013228
Date	Jun 4, 2021
Instrument	2021-00013228

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	83 Months
Due	May 21, 2028

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCLEAN IL
Recording Date	Nov 2, 2017
Property Address	98 W CYPRESS ST, NORMAL, IL 61761-1790
Document Number	201700019808
Map Reference	DOC2011-29705
Instrument Date	Oct 5, 2017
Instrument	2017-00019808
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2203 EASTLAND DR STE 1, 1, BLOOMINGTON, IL 61704-7924

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		$75,357 (+21.89%) Land $10,446 Building $64,911	$226,071 (+21.89%) Land $31,338 Building $194,733
2024	$5,606.00 (+5.95%)
2023	$5,291.00	$61,825 Land $8,570 Building $53,255	$185,475 Land $25,710 Building $159,765

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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

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 511 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
AT&T Fixed Wireless	100 / 20

May also be available: Pavlov Media, Watch TV.

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