1606 Cottage Ave, Bloomington, IL 61701 Property Records

McLean County property record for 1606 Cottage Ave, Bloomington, IL 61701

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,491 sqft · built 1992
Lot Size	0.089 acres (3,859 sqft)
Owner	Individual Name on File
Last Sale	$196,500 (Oct 2025)
Tax Bill	$4,265 (2024)
Deeds & Mortgages	Oct 2025 Sale & Line of Credit Sep 2025 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`14-32-178-020`

Property Details

APN / Parcel Number

Primary APN	`14-32-178-020`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Building Area	1,491 sqft Living Area
1st Floor Area	954 sqft
Basement Area	537 sqft
Finished Basement	537 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	3,859 sqft (0.089 acres)
Lot Dimensions	113 ft deep x 34 ft wide
View / Lot	Lake Front
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1606 COTTAGE AVE
City	BLOOMINGTON
State	IL
Zip	61701-1413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 19 LAKESHORES OF WHITE OAK PARK SUB
Legal Range	02E
Legal Township	24N
Legal Section	32
Legal Subdivision	WHITE OAK PARK SUB
Legal Lot Number	19
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1010
Census Tract	1403

Owner

1606 Cottage Ave is owned by an individual who bought it in October 2025.

Source: McLean County records, as of April 8, 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	Individual Name on File
Mailing Address	33 KLEGGSTONE CIR, BLOOMINGTON, IL 61704-1509
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Warranty Deed, Transfer · Line of Credit MORTON COMMUNITY BANK
Sep 15, 2025	Deed, Transfer
Sep 14, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2025 · Amount on File
Deed Sale	Oct 22, 2025 · Amount on File
Deed Document Number	202515049
Prior Transfer Date	Sep 5, 2023
Prior Transfer Doc	0000012325
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Oct 22, 2025
Property Address	1606 COTTAGE AVE, BLOOMINGTON, IL 61701-1413
Document Number	202500015049
Map Reference	DOC 90-17279
Instrument Date	Sep 26, 2025
Instrument	2025-00015049
Transaction Type	Transfer
Record Updated	Nov 3, 2025
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$196.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 KLEGGSTONE CIR, BLOOMINGTON, IL 61704-1509

Mortgage

Document Number	202500015050
Date	Oct 22, 2025
Instrument	2025-00015050

Lender

Name	MORTON COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MCLEAN IL
Recording Date	Sep 15, 2025
Property Address	1606 COTTAGE AVE, BLOOMINGTON, IL 61701-1413
Document Number	202500012807
Map Reference	DOC 90-17279
Instrument Date	Aug 26, 2025
Instrument	2025-00012807
Transaction Type	Transfer
Record Updated	Sep 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3193 N 200TH ST, MASON, IL 62443-2420

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	110 MALVERN DR, NORMAL, IL 61761-2743

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLEAN IL
Recording Date	Sep 14, 2023
Property Address	1606 COTTAGE AVE, BLOOMINGTON, IL 61701-1413
Document Number	202300012325
Map Reference	DOC 90-17279
Instrument Date	Sep 5, 2023
Instrument	2023-00012325
Transaction Type	Transfer
Record Updated	Sep 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3193 N 200TH ST, MASON, IL 62443-2420

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		$59,962 (+13.51%) Land $10,400 Building $49,562	$179,886 (+13.51%) Land $31,200 Building $148,686
2024	$4,265.00 (+2.52%)	$52,826 (+7.57%) Land $9,162 Building $43,664	$158,478 (+7.57%) Land $27,486 Building $130,992
2023	$4,160.00 (+6.56%)	$49,107 (+11.13%) Land $8,517 Building $40,590	$147,321 (+11.13%) Land $25,551 Building $121,770
2022	$3,904.00	$44,187 Land $7,664 Building $36,523	$132,561 Land $22,992 Building $109,569

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

FEMA maps place 1606 Cottage Ave in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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

The area around 1606 Cottage Ave 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 331 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Watch TV.

Nearby Properties on Cottage Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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