1305 S Oak St, Bloomington, IL 61701 Property Records

McLean County property record for 1305 S Oak St, Bloomington, IL 61701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 973 sqft · built 1925
Lot Size	0.257 acres (11,211 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (May 2026)
Tax Bill	$860 (2024)
Deeds & Mortgages	Sep 2008 Line of Credit Mar 2009 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-09-157-008`

Property Details

APN / Parcel Number

Primary APN	`21-09-157-008`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	973 sqft Living Area
Gross Area	1,441 sqft
1st Floor Area	973 sqft
Basement Area	468 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Wood Siding
Roof Material	Asphalt
Lot Area	11,211 sqft (0.257 acres)
Lot Dimensions	99 ft deep x 112 ft wide
View / Lot	Lake Front
Garage Type	Detached
Garage Area	231 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1305 S OAK ST
City	BLOOMINGTON
State	IL
Zip	61701-6545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	MAJORS 2ND ADD LOT 5 & 8 BLK 4
Legal Range	02E
Legal Township	23N
Legal Section	09
Legal Subdivision	MAJORS 2ND ADD
Legal Block	4
Legal Lot Number	5,8
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1014
Census Tract	5900

Owner

Source: McLean County records, as of May 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1305 S OAK ST, BLOOMINGTON, IL 61701-6545
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2008	Deed of Trust, Mortgage · Line of Credit BUSEY BANK
Mar 16, 2009	Deed of Trust, Mortgage · Line of Credit BUSEY BANK
May 4, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2026 · Amount on Record
Deed Sale	May 4, 2026 · Amount on Record
Prior Sale	Aug 20, 2025 · Amount on Record
Deed Document Number	20266114
Record Updated	Sep 20, 2026

September 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1305 S OAK ST, BLOOMINGTON, IL 61701-6545
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200800025921
Date	Sep 26, 2008
Instrument	2008-00025921

Lender

Name	BUSEY BANK
Type	Bank
Address	BLOOMINGTON, IL 61701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 18, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1305 S OAK ST, BLOOMINGTON, IL 61701-6545
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200900007870
Date	Mar 16, 2009
Instrument	2009-00007870

Lender

Name	BUSEY BANK
Type	Bank
Address	BLOOMINGTON, IL 61701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 5, 2029

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	May 4, 2026
Property Address	1305 S OAK ST, BLOOMINGTON, IL 61701-6545
Document Number	0000006114
Instrument Date	Mar 20, 2026
Instrument	2026.6114
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	FIRST AMERICAN TITLE, FIRST STATE MORTGAGE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31,057.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 S OAK ST, BLOOMINGTON, IL 61701-6545

Mortgage

Document Number	0000006115,
Date	May 4, 2026
Instrument	2026..6115

Lender

Name	FIRST STATE MORTGAGE SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.99%
Initial Type	Fixed Rate
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	Bloomington School District 87 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$36,483 (+17.61%) Land $14,837 Building $21,646	$109,449 (+17.61%) Land $44,511 Building $64,938
2024	$860.00 (-2.93%)
2023	$886.00	$31,020 Land $12,615 Building $18,405	$93,060 Land $37,845 Building $55,215

Assessed value is set for property tax purposes, not a market price estimate; it is 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 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

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 202 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

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