1407 Mill Creek Rd, Bloomington, IL 61704 Property Records

McLean County property record for 1407 Mill Creek Rd, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,790 sqft · built 1992
Lot Size	0.191 acres (8,318 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Jun 2021)
Tax Bill	$6,391 (2024)
Deeds & Mortgages	Jul 2022 Second Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-36-176-023`

Property Details

APN / Parcel Number

Primary APN	`14-36-176-023`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,790 sqft Living Area
Gross Area	3,230 sqft
1st Floor Area	1,004 sqft
Basement Area	770 sqft
Finished Basement	770 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	8,318 sqft (0.191 acres)
Lot Dimensions	120 ft deep x 73 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 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	1407 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 79
Legal Range	02E
Legal Township	24N
Legal Section	36
Legal Subdivision	HIGHLANDS SUB
Legal Lot Number	79
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	Individual Name on Record
Mailing Address	1407 MILL CREEK RD, BLOOMINGTON, IL 61704-8118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Jun 24, 2021	Warranty Deed, Transfer · FHA Mortgage FIRST STATE MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2021 · Amount on Record
Deed Sale	Jun 24, 2021 · Amount on Record
Deed Document Number	202114884
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1407 MILL CREEK RD, BLOOMINGTON, IL 61704-8118
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1407 MILL CREEK RD, BLOOMINGTON, IL 61704-8118

Mortgage

Document Number	202200012422
Date	Jul 14, 2022
Instrument	2022-00012422

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jul 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jun 24, 2021
Property Address	1407 MILL CREEK RD, BLOOMINGTON, IL 61704-8118
Document Number	202100014884
Map Reference	DOC 87-10627
Instrument Date	May 28, 2021
Instrument	2021-00014884
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	NOT AVAILABLE, FTC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1407 MILL CREEK RD, BLOOMINGTON, IL 61704-8118

Mortgage

Document Number	202100014885
Date	Jun 24, 2021
Instrument	2021-00014885

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

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		$97,924 (+28.77%) Land $20,103 Building $77,821	$293,772 (+28.77%) Land $60,309 Building $233,463
2024	$6,391.00 (+7.7%)
2023	$5,934.00	$76,048 Land $15,612 Building $60,436	$228,144 Land $46,836 Building $181,308

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.

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