1204 Janet Dr, Bloomington, IL 61704 Property Records

McLean County property record for 1204 Janet Dr, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,427 sqft · built 2006
Lot Size	0.216 acres (9,389 sqft)
Owner	2 Individual Names on File
Last Sale	$437,500 (May 2026)
Tax Bill	$10,298 (2024)
Deeds & Mortgages	Sep 2020 Mortgage May 2026 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-31-255-012`

Property Details

APN / Parcel Number

Primary APN	`15-31-255-012`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,427 sqft Living Area
Gross Area	3,236 sqft
1st Floor Area	1,902 sqft
Basement Area	525 sqft
Finished Basement	525 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	9,389 sqft (0.216 acres)
Lot Dimensions	115 ft deep x 81 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	809 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Frame Porch
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1204 JANET DR
City	BLOOMINGTON
State	IL
Zip	61704-4038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	SAPPHIRE LAKE SUB 2ND ADD LT 108
Legal Range	03E
Legal Township	24N
Legal Section	31
Legal Subdivision	SAPPHIRE LAKE SUB
Legal Lot Number	108
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	2
Census Block	2013
Census Tract	5104

Owner

1204 Janet Dr is owned and occupied by two individuals who bought it in May 2026.

Source: McLean County records, as of June 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1204 JANET DR, BLOOMINGTON, IL 61704-4038
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
Sep 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK & TRUST CO
May 22, 2026	Warranty Deed, Construction Loan · Construction Mortgage FIRST STATE BANK/BLOOMINGTON
May 18, 2026	Deed of Trust, Mortgage · Construction Mortgage FIRST STATE BANK/BLOOMINGTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2026 · Amount on File
Deed Sale	May 22, 2026 · Amount on File
Prior Sale	Aug 11, 2014 · Amount on File
Deed Document Number	20267222
Prior Transfer Date	Jul 15, 2024
Prior Transfer Doc	0000010269
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1204 JANET DR, BLOOMINGTON, IL 61704-4038
Transaction Type	Mortgage
Record Updated	Jun 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000018131
Date	Sep 10, 2020
Instrument	2020-00018131

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

May 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	May 22, 2026
Property Address	1204 JANET DR, BLOOMINGTON, IL 61704-4038
Document Number	202600007222
Instrument Date	May 7, 2026
Instrument	20267222
Transaction Type	Construction Loan
Record Updated	Aug 29, 2026
Title Company	FRONTIER TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66,281.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1204 JANET DR, BLOOMINGTON, IL 61704-4038
Investor	Possibly a Property Investor

Mortgage

Document Number	0000007223,
Date	May 22, 2026
Instrument	20267223

Lender

Name	FIRST STATE BANK/BLOOMINGTON

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	6 Months
Due	Nov 7, 2026

Interest

Rate Type	Balloon
Rate	7.88%
Initial Type	Balloon
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Recording Date	May 18, 2026
Property Address	1204 JANET DR, BLOOMINGTON, IL 61704-4038
Document Number	0000006892
Instrument Date	Apr 10, 2026
Instrument	20266892
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1204 JANET DR, BLOOMINGTON, IL 61704-4038

Mortgage

Document Number	0000006892,
Date	May 18, 2026
Instrument	20266892

Lender

Name	FIRST STATE BANK/BLOOMINGTON

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	5 Months
Due	Oct 15, 2026

Interest

Rate	7.38%
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Bloomington City
County	McLean County
County Subdivision	Bloomington City Township
Unified School District	McLean County Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$146,184 Land $26,788 Building $119,396	$438,552 Land $80,364 Building $358,188
2024	$10,298.00 (+3.93%)
2023	$9,909.00	$122,964 Land $22,533 Building $100,431	$368,892 Land $67,599 Building $301,293

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 1204 Janet Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2021 · 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.

Wildfire

Wildfire risk around 1204 Janet Dr 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BLOOMINGTON serves 79,000 people · EPA ID IL1130200
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	3 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	2 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 452 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
Watch TV Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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