1415 Moss Creek Rd, Bloomington, IL 61704 Property Records

McLean County property record for 1415 Moss Creek Rd, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,114 sqft · built 1998
Lot Size	0.164 acres (7,158 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Oct 2023)
Tax Bill	$7,643 (2024)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-31-153-003`

Property Details

APN / Parcel Number

Primary APN	`15-31-153-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,114 sqft Living Area
Gross Area	3,554 sqft
1st Floor Area	1,022 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	7,158 sqft (0.164 acres)
Lot Dimensions	110 ft deep x 65 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Deck Area	160 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1415 MOSS CREEK RD
City	BLOOMINGTON
State	IL
Zip	61704-2915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	LOT 102 EAGLE CREEK SUB 3RD ADD
Legal Range	03E
Legal Township	24N
Legal Section	31
Legal Subdivision	EAGLE CREEK
Legal Lot Number	102
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 September 2, 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 Record
Mailing Address	1415 MOSS CREEK RD, BLOOMINGTON, IL 61704-2915
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC
Oct 5, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2023 · Amount on Record
Deed Sale	Oct 5, 2023 · Amount on Record
Prior Sale	Apr 25, 2007 · Amount on Record
Deed Document Number	202313693
Prior Transfer Date	Aug 24, 2009
Prior Transfer Doc	0000027966
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1415 MOSS CREEK RD, BLOOMINGTON, IL 61704-2915
Transaction Type	Mortgage
Record Updated	Jan 21, 2026
Title Company	ILLINOIS TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1415 MOSS CREEK RD, BLOOMINGTON, IL 61704-2915

Mortgage

Document Number	202600000500
Date	Jan 9, 2026
Instrument	2026-00000500

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	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.12%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Oct 5, 2023
Property Address	1415 MOSS CREEK RD, BLOOMINGTON, IL 61704-2915
Document Number	202300013693
Map Reference	DOC 95-19548
Instrument Date	Sep 27, 2023
Instrument	2023-00013693
Transaction Type	Transfer
Record Updated	Oct 18, 2023
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
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	1415 MOSS CREEK RD, BLOOMINGTON, IL 61704-2915

Mortgage

Document Number	202300013694
Date	Oct 5, 2023
Instrument	2023-00013694

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2028
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	8.62%
Index	1-Year CMT
Max Rate	12.6%

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		$106,609 (+18.5%) Land $20,393 Building $86,216	$319,827 (+18.5%) Land $61,179 Building $258,648
2024	$7,643.00 (+7.44%)
2023	$7,114.00 (+9.68%)	$89,967 (+13.3%) Land $17,210 Building $72,757	$269,901 (+13.3%) Land $51,630 Building $218,271
2022	$6,486.00	$79,404 Land $15,190 Building $64,214	$238,212 Land $45,570 Building $192,642

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	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 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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