1207 Moss Creek Rd, Bloomington, IL 61704 Property Records

McLean County property record for 1207 Moss Creek Rd, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,891 sqft · built 2000
Lot Size	0.203 acres (8,843 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Jan 2026)
Tax Bill	$7,940 (2024)
Deeds & Mortgages	Aug 2017 Mortgage Dec 2010 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`15-31-153-049`

Property Details

APN / Parcel Number

Primary APN	`15-31-153-049`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,891 sqft Living Area
Gross Area	3,691 sqft
1st Floor Area	1,092 sqft
Basement Area	819 sqft
Finished Basement	819 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick
Foundation Type	Block
Roof Material	Asphalt
Lot Area	8,843 sqft (0.203 acres)
Lot Dimensions	120 ft deep x 69 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	800 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	1207 MOSS CREEK RD
City	BLOOMINGTON
State	IL
Zip	61704-8292
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	GOLDEN EAGLE SOUTH SUB 3RD ADD LOT 205
Legal Range	03E
Legal Township	24N
Legal Section	31
Legal Subdivision	GOLDEN EAGLE SOUTH SUB
Legal Lot Number	205
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1005
Census Tract	5104

Owner

Source: McLean County records, as of May 21, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1207 MOSS CREEK RD, BLOOMINGTON, IL 61704-8292
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage IAA CU
Dec 29, 2010	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK & TRUST CO
Mar 11, 2009	Deed of Trust, Mortgage HEARTLAND BANK & TRUST CO
Jul 2, 2008	Deed of Trust, Mortgage IAA CREDIT UNION
Dec 29, 2010	Deed of Trust, Mortgage · Line of Credit HEARTLAND BANK & TRUST CO
Oct 21, 2009	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK & TRUST CO
Jan 12, 2026	Warranty Deed, Transfer · VA Mortgage FIRST STATE MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2026 · Amount on File
Deed Sale	Jan 12, 2026 · Amount on File
Prior Sale	Sep 11, 2024 · Amount on File
Deed Document Number	2026591
Prior Transfer Date	Aug 19, 2024
Prior Transfer Doc	0000013212
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1207 MOSS CREEK RD, BLOOMINGTON, IL 61704-8292
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	MCLEAN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700013749
Date	Aug 1, 2017
Instrument	2017-00013749

Lender

Name	IAA CU
Type	Credit Union
Address	BLOOMINGTON, IL 61701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2037

December 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1207 MOSS CREEK RD, BLOOMINGTON, IL 61704-8292
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201000034539
Date	Dec 29, 2010
Instrument	2010-00034539

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61705

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2041

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1207 MOSS CREEK RD, BLOOMINGTON, IL 61704-8292
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200900007430
Date	Mar 11, 2009
Instrument	2009-00007430

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61705

Agreement

Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2024

July 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1207 MOSS CREEK RD, BLOOMINGTON, IL 61704-8292
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200800018413
Date	Jul 2, 2008
Instrument	2008-00018413

Lender

Name	IAA CREDIT UNION
Address	BLOOMINGTON, IL 61702

Agreement

Amount	Amount on Record
Term	32 Months
Due	Mar 17, 2011

December 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1207 MOSS CREEK RD, BLOOMINGTON, IL 61704-8292
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201000034540
Date	Dec 29, 2010
Instrument	2010-00034540

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 28, 2030

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Change Frequency	Monthly
Max Rate	18%

October 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1207 MOSS CREEK RD, BLOOMINGTON, IL 61704-8292
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200900032558
Date	Oct 21, 2009
Instrument	2009-00032558

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61705

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2024

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jan 12, 2026
Property Address	1207 MOSS CREEK RD, BLOOMINGTON, IL 61704-8292
Document Number	202600000591
Map Reference	DOC 2000-04395
Instrument Date	Dec 29, 2025
Instrument	2026-00000591
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	FTC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$365.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1207 MOSS CREEK RD, BLOOMINGTON, IL 61704-8292

Mortgage

Document Number	202600000592
Date	Jan 12, 2026
Instrument	2026-00000592

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.62%

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		$112,245 (+7.58%) Land $22,854 Building $89,391	$336,735 (+7.58%) Land $68,562 Building $268,173
2024	$7,940.00 (+5.03%)	$104,338 (+9.56%) Land $21,244 Building $83,094	$313,014 (+9.56%) Land $63,732 Building $249,282
2023	$7,560.00	$95,232 Land $19,390 Building $75,842	$285,696 Land $58,170 Building $227,526

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 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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