2703 Ridge Rd, Bloomington, IL 61704 Property Records

McLean County property record for 2703 Ridge Rd, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,038 sqft · built 1981
Lot Size	0.304 acres (13,232 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Dec 2024)
Tax Bill	$6,523 (2024)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-02-480-002`

Property Details

APN / Parcel Number

Primary APN	`21-02-480-002`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,038 sqft Living Area
Gross Area	4,368 sqft
1st Floor Area	1,405 sqft
Basement Area	932 sqft
Finished Basement	580 sqft
Unfinished Basement	352 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Asphalt
Lot Area	13,232 sqft (0.304 acres)
Lot Dimensions	150 ft deep x 88 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	978 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Frame Porch
Deck Area	Deck Area
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2703 RIDGE RD
City	BLOOMINGTON
State	IL
Zip	61704-4561
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	WILLIAMSBURG ESTATES 4TH ADD LOT 105
Legal Range	02E
Legal Township	23N
Legal Section	02
Legal Subdivision	WILLIAMSBURG ESTATES
Legal Lot Number	105
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1034
Census Tract	1103

Owner

2703 Ridge Rd is owned and occupied by two individuals who bought it in December 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	2703 RIDGE RD, BLOOMINGTON, IL 61704-4561
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
Feb 28, 2024	Warranty Deed, Transfer · Conventional Mortgage FIRST FINANCIAL BANK NA
Jun 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC
Oct 14, 2017	Warranty Deed, Transfer · Conventional Mortgage FEDERATED BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2024 · Amount on File
Deed Sale	Dec 2, 2024 · Amount on File
Prior Sale	Feb 28, 2024 · Amount on File
Deed Document Number	202417459
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Feb 28, 2024
Property Address	2703 RIDGE RD, BLOOMINGTON, IL 61704-4561
Document Number	202400002404
Map Reference	DOC 79-3480
Instrument Date	Feb 19, 2024
Instrument	2024-00002404
Transaction Type	Transfer
Record Updated	Mar 11, 2024
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2703 RIDGE RD, BLOOMINGTON, IL 61704-4561

Mortgage

Document Number	202400002405
Date	Feb 28, 2024
Instrument	2024-00002405

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.5%
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	2703 RIDGE RD, BLOOMINGTON, IL 61704-4561
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000011541
Date	Jun 25, 2020
Instrument	2020-00011541

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Oct 14, 2017
Property Address	2703 RIDGE RD, BLOOMINGTON, IL 61704-4561
Document Number	201700018607
Instrument Date	Sep 18, 2017
Instrument	2017-00018607
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$257.75
Amount Accuracy	Full Amount Stated
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	2703 RIDGE RD, BLOOMINGTON, IL 61704-4561

Mortgage

Document Number	201700018608
Date	Oct 14, 2017
Instrument	2017-00018608

Lender

Name	FEDERATED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

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		$87,587 Land $18,202 Building $69,385	$262,761 Land $54,606 Building $208,155
2024	$6,523.00 (+14.66%)
2023	$5,689.00 (+8.69%)	$74,077 (+9.59%) Land $15,395 Building $58,682	$222,231 (+9.59%) Land $46,185 Building $176,046
2022	$5,234.00	$67,596 Land $14,048 Building $53,548	$202,788 Land $42,144 Building $160,644

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 2703 Ridge Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 27, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 2703 Ridge Rd 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 316 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
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, Pavlov Media, T-Mobile, Watch TV.

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