1304 Koch St, Bloomington, IL 61701 Property Records

McLean County property record for 1304 Koch St, Bloomington, IL 61701

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,813 sqft · built 1925
Lot Size	0.191 acres (8,316 sqft)
Owner	Individual Name on File
Tax Bill	$3,186 (2024)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`21-09-185-004`

Property Details

APN / Parcel Number

Primary APN	`21-09-185-004`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,813 sqft Living Area
Gross Area	2,500 sqft
1st Floor Area	1,363 sqft
Basement Area	687 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	8,316 sqft (0.191 acres)
Lot Dimensions	180 ft deep x 46 ft wide
View / Lot	Lake Front
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Frame Porch
Deck Area	120 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1304 KOCH ST
City	BLOOMINGTON
State	IL
Zip	61701-6630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	RICHARD SNELLS ADD LOT 6 BLK 3
Legal Range	02E
Legal Township	23N
Legal Section	09
Legal Subdivision	RICHARD SNELLS ADD
Legal Block	3
Legal Lot Number	6
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1012
Census Tract	5900

Owner

1304 Koch St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	1304 KOCH ST, BLOOMINGTON, IL 61701-6630
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 25, 2026	Deed of Trust, Mortgage · Line of Credit PNC BANK
Jun 16, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Recording Date	Jul 25, 2026
Property Address	1304 KOCH ST, BLOOMINGTON, IL 61701-6630
Document Number	0000010655
Instrument Date	Jun 24, 2026
Instrument	202610655
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1304 KOCH ST, BLOOMINGTON, IL 61701-6630

Mortgage

Document Number	0000010655,
Date	Jul 25, 2026
Instrument	202610655

Lender

Name	PNC BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jul 13, 2066

Interest

Rate	6.53%
Max Rate	-1%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1304 KOCH ST, BLOOMINGTON, IL 61701-6630
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700010628
Date	Jun 16, 2017
Instrument	2017-00010628

Lender

Name	PNC BANK NA
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jun 5, 2057

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Bloomington School District 87 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$49,080 Land $11,556 Building $37,524	$147,240 Land $34,668 Building $112,572
2024	$3,186.00 (+6.7%)
2023	$2,986.00 (+8.42%)	$41,733 (+8.65%) Land $9,826 Building $31,907	$125,199 (+8.65%) Land $29,478 Building $95,721
2022	$2,754.00	$38,412 Land $9,044 Building $29,368	$115,236 Land $27,132 Building $88,104

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

Flood

FEMA maps place 1304 Koch St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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 Claims	1 (1982)
Most Recent Claim	Dec 1982 · 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

The area around 1304 Koch St has no burnable land within ember reach, so its wildfire risk is not rated.

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	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 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Watch TV.

Nearby Properties on Koch St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures