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10 Downing Cir, Bloomington, IL 61704 Property Records

McLean County property record for 10 Downing Cir, Bloomington, IL 61704

Property Summary

Property TypeSingle Family Home
Details5 bd · 2.5 ba · 2,603 sqft · built 1990
Lot Size0.19 acres (8,277 sqft)
Owner2 Individual Names on File
Tax Bill$7,163 (2024)
Deeds & MortgagesFeb 2026 Transfer
Aug 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN21-12-353-016

Property Details

APN / Parcel Number

Primary APN21-12-353-016

Interior

Bedrooms5 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Stories2 Stories
Building Area2,603 sqft Living Area
Gross Area3,196 sqft
1st Floor Area1,163 sqft
Basement Area41 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Exterior MaterialAluminum/Vinyl
Roof MaterialAsphalt
Lot Area8,277 sqft (0.19 acres)
Lot Dimensions110 ft deep x 75 ft wide
View / LotLake Front
Garage TypeAttached
Garage Area552 sqft
Parking Spaces2 Parking Spaces
GreenhouseGreenhouse

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address10 DOWNING CIR
CityBLOOMINGTON
StateIL
Zip61704-7619
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1C
Legal DescriptionROLLINGBROOK SUB 6TH ADD LOT 344
Legal Range02E
Legal Township23N
Legal Section12
Legal SubdivisionROLLINGBROOK SUB
Legal Lot Number344
JurisdictionMCLEAN IL
Township / Civil DivisionBLOOMINGTON CITY
Census Block Group2
Census Block2000
Census Tract1108

Owner

10 Downing Cir is owned and occupied by two individuals who acquired it in January 2026.

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

Owner of Record2 Individual Names on File
Mailing Address10 DOWNING CIR, BLOOMINGTON, IL 61704-7619
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants 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

DateDocument
Feb 19, 2026Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Aug 27, 2021Deed of Trust, Mortgage · Conventional Mortgage
HEARTLAND BANK & TRUST CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateJan 30, 2026
Transfer Doc202600002508
Record UpdatedJun 8, 2026

February 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMCLEAN IL
Recording DateFeb 19, 2026
Property Address10 DOWNING CIR, BLOOMINGTON, IL 61704-7619
Document Number202600002508
Map ReferenceDOC 79-7763
Instrument DateJan 30, 2026
Instrument2026-00002508
Transaction TypeTransfer
Record UpdatedMar 2, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address10 DOWNING CIR, BLOOMINGTON, IL 61704-7619

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address401 N HERSHEY RD, BLOOMINGTON, IL 61704-3742

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCLEAN IL
Property Address10 DOWNING CIR, BLOOMINGTON, IL 61704-7619
Transaction TypeMortgage
Record UpdatedSep 6, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number202100020813
DateAug 27, 2021
Instrument2021-00020813
Lender
NameHEARTLAND BANK & TRUST CO
TypeBank
AddressBLOOMINGTON, IL 61704
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueSep 1, 2036

Tax Assessment & Valuation

Source: McLean County assessment roll, as of April 8, 2026

Property Jurisdictions

TypeName
StateIllinois
MunicipalityBloomington City
CountyMcLean County
County SubdivisionBloomington City Township
Unified School DistrictBloomington School District 87 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$104,642 (+5.33%) Land $18,198 Building $86,444$313,926 (+5.33%) Land $54,594 Building $259,332
2024$7,163.00 (-6.66%)$99,350 (+1.56%) Land $17,278 Building $82,072$298,050 (+1.56%) Land $51,834 Building $246,216
2023$7,674.00$97,824 Land $14,542 Building $83,282$293,472 Land $43,626 Building $249,846

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

Flood

FEMA maps place 10 Downing Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2025.

Source: FEMA National Flood Hazard Layer, effective June 27, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims2 (2025)
Most Recent ClaimJun 2025 · other causes

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

Wildfire risk around 10 Downing Cir is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 97% of the US · lower than 79% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemBLOOMINGTON
serves 79,000 people · EPA ID IL1130200
Water SourceSurface water
Last State InspectionAug 2023
Lead3 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 344 locations within half a mile, as of December 31, 2025

ProviderMax 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
Watch TV
Fixed Wireless		100 / 20

May also be available: Frontier.

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