1812 Cottage Ave, Bloomington, IL 61701 Property Records

McLean County property record for 1812 Cottage Ave, Bloomington, IL 61701

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,491 sqft · built 1992
Lot Size	0.089 acres (3,858 sqft)
Owner	2 Individual Names on File
Last Sale	$122,000 (Jun 2019)
Tax Bill	$3,663 (2024)
Deeds & Mortgages	Jan 2026 Line of Credit Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-32-178-006`

Property Details

APN / Parcel Number

Primary APN	`14-32-178-006`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
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	3,858 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	1812 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 5 LAKESHORES OF WHITE OAK PARK
Legal Range	02E
Legal Township	24N
Legal Section	32
Legal Subdivision	LAKESHORES OF WHITE OAK PARK
Legal Lot Number	5
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1010
Census Tract	1403

Owner

1812 Cottage Ave is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1812 COTTAGE AVE, BLOOMINGTON, IL 61701-1417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jan 21, 2026	Deed of Trust, Mortgage · Line of Credit MORTON COMMUNITY BANK
Jun 28, 2019	Warranty Deed, Transfer · FHA Mortgage MORTGAGE SERVICES III LLC
May 18, 2015	Trustee's Deed, Foreclosure · Conventional Mortgage MORTGAGE SERVICES III LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2019 · Amount on File
Deed Sale	Jun 28, 2019 · Amount on File
Prior Sale	May 18, 2015 · Amount on File
Deed Document Number	20199917
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1812 COTTAGE AVE, BLOOMINGTON, IL 61701-1417
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202600001095
Date	Jan 21, 2026
Instrument	2026-00001095

Lender

Name	MORTON COMMUNITY BANK
Type	Bank
Address	MORTON, IL 61550

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 2, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jun 28, 2019
Property Address	1812 COTTAGE AVE, BLOOMINGTON, IL 61701-1417
Document Number	201900009917
Map Reference	DOC 90-17279
Instrument Date	Jun 26, 2019
Instrument	2019-00009917
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183.00
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	1812 COTTAGE AVE, BLOOMINGTON, IL 61701-1417
Investor	Possibly a Property Investor

Mortgage

Document Number	201900009918
Date	Jun 28, 2019
Instrument	2019-00009918

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.12%

Mortgage

Document Number	201900009919
Date	Jun 28, 2019
Instrument	2019-00009919

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

May 2015: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MCLEAN IL
Recording Date	May 18, 2015
Property Address	1812 COTTAGE AVE, BLOOMINGTON, IL 61701-1417
Document Number	201500008428
Map Reference	DOC90-17279
Instrument Date	May 8, 2015
Instrument	2015-00008428
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026
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	$169.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1812 COTTAGE AVE, BLOOMINGTON, IL 61701-1417

Mortgage

Document Number	201500008429
Date	May 18, 2015
Instrument	2015-00008429

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2045

Interest

Rate	4%

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		$58,311 Land $10,400 Building $47,911	$174,933 Land $31,200 Building $143,733
2024	$3,663.00 (+3.56%)
2023	$3,537.00	$47,753 Land $8,517 Building $39,236	$143,259 Land $25,551 Building $117,708

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 1812 Cottage Ave in Zone X, an area of minimal 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 minimal risk
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 1812 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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