22 Downing Cir, Bloomington, IL 61704 Property Records

McLean County property record for 22 Downing Cir, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,784 sqft · built 1988
Lot Size	0.193 acres (8,387 sqft)
Owner	2 Individual Names on File
Last Sale	$328,000 (Oct 2024)
Tax Bill	$9,488 (2024)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Aug 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-12-353-022`

Property Details

APN / Parcel Number

Primary APN	`21-12-353-022`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,784 sqft Living Area
Gross Area	4,254 sqft
1st Floor Area	1,828 sqft
Basement Area	810 sqft
Finished Basement	780 sqft
Unfinished Basement	30 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	8,387 sqft (0.193 acres)
Lot Dimensions	110 ft deep x 76 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Frame Porch
Deck Area	132 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	22 DOWNING CIR
City	BLOOMINGTON
State	IL
Zip	61704-7619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	ROLLINGBROOK SUB 6TH ADD LOT 350
Legal Range	02E
Legal Township	23N
Legal Section	12
Legal Subdivision	ROLLINGBROOK SUB
Legal Lot Number	350
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	2
Census Block	2000
Census Tract	1108

Owner

22 Downing Cir is owned and occupied by two individuals who bought it in October 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	22 DOWNING CIR, BLOOMINGTON, IL 61704-7619
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 24, 2022	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Aug 2, 2019	Warranty Deed, Transfer · Conventional Mortgage STATE FARM BANK FSB
Jun 5, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HEARTLAND BANK & TRUST CO
Aug 30, 2018	Deed of Trust, Mortgage · Commercial Mortgage HEARTLAND BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2024 · Amount on File
Deed Sale	Oct 29, 2024 · Amount on File
Prior Sale	Jan 24, 2022 · Amount on File
Deed Document Number	202415922
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jan 24, 2022
Property Address	22 DOWNING CIR, BLOOMINGTON, IL 61704-7619
Document Number	202200001418
Map Reference	DOC 79-7763
Instrument Date	Jan 12, 2022
Instrument	2022-00001418
Transaction Type	Transfer
Record Updated	Feb 2, 2022
Title Company	NOT AVAILABLE, FTC

Transaction

Amount	Amount on Record
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	22 DOWNING CIR, BLOOMINGTON, IL 61704-7619

Mortgage

Document Number	202200001419
Date	Jan 24, 2022
Instrument	2022-00001419

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate	3%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Aug 2, 2019
Property Address	22 DOWNING CIR, BLOOMINGTON, IL 61704-7619
Document Number	201900012201
Map Reference	DOC 79-7763
Instrument Date	Jul 29, 2019
Instrument	2019-00012201
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	MCLEAN COUNTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$355.50
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 with Right of Survivorship
Address	22 DOWNING CIR, BLOOMINGTON, IL 61704-7619

Mortgage

Document Number	201900012202
Date	Aug 2, 2019
Instrument	2019-00012202

Lender

Name	STATE FARM BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

Interest

Rate	3.75%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	22 DOWNING CIR, BLOOMINGTON, IL 61704-7619
Transaction Type	Mortgage
Record Updated	Jul 2, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900008494
Date	Jun 5, 2019
Instrument	2019-00008494

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	6 Months
Due	Dec 3, 2019

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	22 DOWNING CIR, BLOOMINGTON, IL 61704-7619
Transaction Type	Mortgage
Record Updated	Sep 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800014417
Date	Aug 30, 2018
Instrument	2018-00014417

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61702

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Margin	5
Max Rate	18%

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	Bloomington School District 87 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$129,583 Land $18,346 Building $111,237	$388,749 Land $55,038 Building $333,711
2024	$9,488.00 (+16.39%)
2023	$8,152.00 (+9.53%)	$103,542 (+10.64%) Land $14,659 Building $88,883	$310,626 (+10.64%) Land $43,977 Building $266,649
2022	$7,443.00	$93,581 Land $13,249 Building $80,332	$280,743 Land $39,747 Building $240,996

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 22 Downing Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2025.

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	3 in force
Nearby Flood Claims	2 (2025)
Most Recent Claim	Jun 2025 · other causes

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

Wildfire risk around 22 Downing Cir is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 344 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
Watch TV Fixed Wireless	100 / 20

May also be available: Frontier.

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