1401 Mill Creek Rd, Bloomington, IL 61704 Property Records

McLean County property record for 1401 Mill Creek Rd, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,744 sqft · built 1989
Lot Size	0.25 acres (10,908 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Jun 2022)
Tax Bill	$6,463 (2024)
Deeds & Mortgages	Sep 2023 Line of Credit Jun 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-36-176-026`

Property Details

APN / Parcel Number

Primary APN	`14-36-176-026`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,744 sqft Living Area
Gross Area	3,458 sqft
1st Floor Area	1,026 sqft
Basement Area	957 sqft
Finished Basement	727 sqft
Unfinished Basement	230 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	10,908 sqft (0.25 acres)
Lot Dimensions	120 ft deep x 90 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1401 MILL CREEK RD
City	BLOOMINGTON
State	IL
Zip	61704-8118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	THE HIGHLANDS SUB LOT 82
Legal Range	02E
Legal Township	24N
Legal Section	36
Legal Subdivision	HIGHLANDS SUB
Legal Lot Number	82
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1012
Census Tract	1105

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1401 MILL CREEK RD, BLOOMINGTON, IL 61704-8118
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2023	Deed of Trust, Mortgage · Line of Credit OLD NATIONAL BANK
Jun 20, 2022	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Dec 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC
Mar 3, 2017	Deed, Transfer · Conventional Mortgage MORTGAGE SERVICES III LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2022 · Amount on Record
Deed Sale	Jun 20, 2022 · Amount on Record
Prior Sale	Mar 3, 2017 · Amount on Record
Deed Document Number	202211045
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1401 MILL CREEK RD, BLOOMINGTON, IL 61704-8118
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 MILL CREEK RD, BLOOMINGTON, IL 61704-8118

Mortgage

Document Number	202300012614
Date	Sep 18, 2023
Instrument	2023-00012614

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	NAPERVILLE, IL 60540

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jun 20, 2022
Property Address	1401 MILL CREEK RD, BLOOMINGTON, IL 61704-8118
Document Number	202200011045
Map Reference	DOC 87-10627
Instrument Date	Jun 10, 2022
Instrument	2022-00011045
Transaction Type	Transfer
Record Updated	Jun 28, 2022
Title Company	MCLEAN COUNTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1401 MILL CREEK RD, BLOOMINGTON, IL 61704-8118

Mortgage

Document Number	202200011046
Date	Jun 20, 2022
Instrument	2022-00011046

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1401 MILL CREEK RD, BLOOMINGTON, IL 61704-8118
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000027173
Date	Dec 11, 2020
Instrument	2020-00027173

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MCLEAN IL
Recording Date	Mar 3, 2017
Property Address	1401 MILL CREEK RD, BLOOMINGTON, IL 61704-8118
Document Number	201700003769
Instrument Date	Feb 24, 2017
Instrument	2017-00003769
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1401 MILL CREEK RD, BLOOMINGTON, IL 61704-8118

Mortgage

Document Number	201700003770
Date	Mar 3, 2017
Instrument	2017-00003770

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

Interest

Rate	4.62%

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		$98,953 (+28.77%) Land $22,063 Building $76,890	$296,859 (+28.77%) Land $66,189 Building $230,670
2024	$6,463.00 (+7.68%)
2023	$6,002.00 (+9.35%)	$76,847 (+12.81%) Land $17,134 Building $59,713	$230,541 (+12.81%) Land $51,402 Building $179,139
2022	$5,489.00	$68,121 Land $15,189 Building $52,932	$204,363 Land $45,567 Building $158,796

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	3 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 98% of the US · lower than 86% 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 386 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20

May also be available: Frontier, Pavlov Media.

Nearby Properties on Mill Creek Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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