1802 Cottage Ave, Bloomington, IL 61701 Property Records

McLean County property record for 1802 Cottage Ave, Bloomington, IL 61701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,491 sqft · built 1992
Lot Size	0.104 acres (4,540 sqft)
Owner	2 Individual Names on Record
Last Sale	$115,000 (May 2014)
Tax Bill	$3,377 (2024)
Deeds & Mortgages	Oct 2025 Transfer Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`14-32-178-011`

Property Details

APN / Parcel Number

Primary APN	`14-32-178-011`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 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	4,540 sqft (0.104 acres)
Lot Dimensions	113 ft deep x 40 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	1802 COTTAGE AVE
City	BLOOMINGTON
State	IL
Zip	61701-1417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LAKESHORES OF WHITE OAK PARK SUB LOT 10
Legal Range	02E
Legal Township	24N
Legal Section	32
Legal Subdivision	WHITE OAK PARK SUB
Legal Lot Number	10
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1010
Census Tract	1403

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	1802 COTTAGE AVE, BLOOMINGTON, IL 61701-1417
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2025	Transfer on Death Deed, Transfer
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2014 · Amount on Record
Deed Sale	May 23, 2014 · Amount on Record
Prior Sale	Aug 5, 2005 · Amount on Record
Deed Document Number	20148126
Last Transfer Date	Sep 9, 2025
Transfer Doc	0000013814
Record Updated	Oct 29, 2026

October 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MCLEAN IL
Recording Date	Oct 2, 2025
Property Address	1802 COTTAGE AVE, BLOOMINGTON, IL 61701-1417
Document Number	202500013814
Map Reference	DOC 90-17279
Instrument Date	Sep 9, 2025
Instrument	2025-00013814
Transaction Type	Transfer
Record Updated	Oct 15, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1802 COTTAGE AVE, BLOOMINGTON, IL 61701-1417

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1802 COTTAGE AVE, BLOOMINGTON, IL 61701-1417
Transaction Type	Mortgage
Record Updated	Oct 13, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100024124
Date	Oct 6, 2021
Instrument	2021-00024124

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2041

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1802 COTTAGE AVE, BLOOMINGTON, IL 61701-1417
Transaction Type	Mortgage
Record Updated	Apr 4, 2019
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900004363
Date	Mar 27, 2019
Instrument	2019-00004363

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

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 $10,959 Building $49,003	$179,886 (+13.51%) Land $32,877 Building $147,009
2024	$3,377.00 (+4.62%)	$52,826 (+7.58%) Land $9,655 Building $43,171	$158,478 (+7.58%) Land $28,965 Building $129,513
2023	$3,228.00	$49,106 Land $8,975 Building $40,131	$147,318 Land $26,925 Building $120,393

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 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

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

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