1804 Cottage Ave, Bloomington, IL 61701 Property Records

McLean County property record for 1804 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	0.091 acres (3,977 sqft)
Owner	2 Individual Names on File
Last Sale	$192,333 (Sep 2022)
Tax Bill	$4,265 (2024)
Deeds & Mortgages	Sep 2022 Sale Feb 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`14-32-178-010`

Property Details

APN / Parcel Number

Primary APN	`14-32-178-010`

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	3,977 sqft (0.091 acres)
Lot Dimensions	113 ft deep x 35 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	1804 COTTAGE AVE
City	BLOOMINGTON
State	IL
Zip	61701-1417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 9 LAKESHORES OF WHITE OAK PARK SUB
Legal Range	02E
Legal Township	24N
Legal Section	32
Legal Subdivision	WHITE OAK PARK SUB
Legal Lot Number	9
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1010
Census Tract	1403

Owner

1804 Cottage Ave is owned by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	101 YVONNE CT, GOODLETTSVILLE, TN 37072-3151
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2022	Warranty Deed, Transfer ALLIANCE LAND TITLE
Feb 21, 2018	Warranty Deed, Transfer · Conventional Mortgage HICKORY POINT BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2022 · Amount on File
Deed Sale	Sep 12, 2022 · Amount on File
Prior Sale	Feb 21, 2018 · Amount on File
Deed Document Number	202216225
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Sep 12, 2022
Property Address	1804 COTTAGE AVE, BLOOMINGTON, IL 61701-1417
Document Number	202200016225
Map Reference	DOC 90-17279
Instrument Date	Aug 24, 2022
Instrument	2022-00016225
Transaction Type	Transfer
Record Updated	Sep 21, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount on Record
Tax	$167.00
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
Address	101 YVONNE CT, GOODLETTSVILLE, TN 37072-3151

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Feb 21, 2018
Property Address	1804 COTTAGE AVE, BLOOMINGTON, IL 61701-1417
Document Number	201800002952
Map Reference	DOC90-17279
Instrument Date	Feb 16, 2018
Instrument	2018-00002952
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	FRONTIER TITLE COMPANY, FRONTIER TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$176.25
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
Address	501 N WHITEHEAD ST, TOLONO, IL 61880-9003

Mortgage

Document Number	201800002953
Date	Feb 21, 2018
Instrument	2018-00002953

Lender

Name	HICKORY POINT BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2033

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		$59,963 Land $10,500 Building $49,463	$179,889 Land $31,500 Building $148,389
2024	$4,265.00 (+2.52%)
2023	$4,160.00 (+6.56%)	$49,106 (+11.14%) Land $8,598 Building $40,508	$147,318 (+11.14%) Land $25,794 Building $121,524
2022	$3,904.00	$44,185 Land $7,736 Building $36,449	$132,555 Land $23,208 Building $109,347

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 1804 Cottage Ave in Zone X, an area of moderate flood risk.

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
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 1804 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

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