23 Waterside Cir, Bloomington, IL 61704 Property Records

McLean County property record for 23 Waterside Cir, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,343 sqft · built 1999
Lot Size	0.23 acres (10,018 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Oct 2021)
Tax Bill	$8,594 (2024)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-31-178-004`

Property Details

APN / Parcel Number

Primary APN	`15-31-178-004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,343 sqft Living Area
Gross Area	4,023 sqft
1st Floor Area	1,231 sqft
Basement Area	942 sqft
Finished Basement	942 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Block
Roof Material	Asphalt
Lot Area	10,018 sqft (0.23 acres)
Lot Dimensions	122 ft deep x 85 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces
Patio Area	35 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	23 WATERSIDE CIR
City	BLOOMINGTON
State	IL
Zip	61704-2922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	GOLDEN EAGLE 1ST ADD LOT 227
Legal Range	03E
Legal Township	24N
Legal Section	31
Legal Subdivision	GOLDEN EAGLE 1ST ADD
Legal Lot Number	227
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1006
Census Tract	5104

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	23 WATERSIDE CIR, BLOOMINGTON, IL 61704-2922
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2021 · Amount on Record
Deed Sale	Oct 1, 2021 · Amount on Record
Prior Sale	Nov 23, 2011 · Amount on Record
Deed Document Number	202123693
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Oct 1, 2021
Property Address	23 WATERSIDE CIR, BLOOMINGTON, IL 61704-2922
Document Number	202100023693
Instrument Date	Sep 27, 2021
Instrument	2021-00023693
Transaction Type	Transfer
Record Updated	Oct 8, 2021
Title Company	MCLEAN COUNTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
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	23 WATERSIDE CIR, BLOOMINGTON, IL 61704-2922
Investor	Possibly a Property Investor

Mortgage

Document Number	202100023694
Date	Oct 1, 2021
Instrument	2021-00023694

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.12%

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		$120,957 (+17.86%) Land $24,945 Building $96,012	$362,871 (+17.86%) Land $74,835 Building $288,036
2024	$8,594.00 (+4.98%)
2023	$8,186.00	$102,625 Land $21,165 Building $81,460	$307,875 Land $63,495 Building $244,380

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 452 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
Watch TV Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

Nearby Properties on Waterside Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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