2705 Keystone Rd, Bloomington, IL 61704 Property Records

McLean County property record for 2705 Keystone Rd, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,284 sqft · built 1991
Lot Size	0.248 acres (10,792 sqft)
Owner	2 Individual Names on File
Last Sale	$332,500 (Sep 2023)
Tax Bill	$8,566 (2024)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jun 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-25-276-041`

Property Details

APN / Parcel Number

Primary APN	`14-25-276-041`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,284 sqft Living Area
Gross Area	4,204 sqft
1st Floor Area	1,232 sqft
Basement Area	1,176 sqft
Finished Basement	936 sqft
Unfinished Basement	240 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	10,792 sqft (0.248 acres)
Lot Dimensions	120 ft deep x 90 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces
Deck Area	280 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2705 KEYSTONE RD
City	BLOOMINGTON
State	IL
Zip	61704-8443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	5TH ADD TO EAGLE RIDGE SUB LOT 200
Legal Range	02E
Legal Township	24N
Legal Section	25
Legal Subdivision	EAGLE RIDGE SUB
Legal Lot Number	200
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1002
Census Tract	506

Owner

2705 Keystone Rd is owned and occupied by two individuals who bought it in September 2023.

Source: McLean County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2705 KEYSTONE RD, BLOOMINGTON, IL 61704-8443
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
Sep 19, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC
Jun 3, 2022	Warranty Deed, Transfer · Conventional Mortgage ILLINOIS STATE CU
Nov 22, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Nov 9, 2020	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Nov 12, 2019	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2023 · Amount on File
Deed Sale	Sep 19, 2023 · Amount on File
Prior Sale	Jun 3, 2022 · Amount on File
Deed Document Number	202312748
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Sep 19, 2023
Property Address	2705 KEYSTONE RD, BLOOMINGTON, IL 61704-8443
Document Number	202300012748
Map Reference	DOC 88-18215
Instrument Date	Sep 8, 2023
Instrument	2023-00012748
Transaction Type	Transfer
Record Updated	Oct 2, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$332.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2705 KEYSTONE RD, BLOOMINGTON, IL 61704-8443

Mortgage

Document Number	202300012749
Date	Sep 19, 2023
Instrument	2023-00012749

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.5%
Change Frequency	Monthly

Mortgage

Document Number	202300012750
Date	Sep 19, 2023
Instrument	2023-00012750

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	61 Months
Due	Oct 1, 2028

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jun 3, 2022
Property Address	2705 KEYSTONE RD, BLOOMINGTON, IL 61704-8443
Document Number	202200010083
Map Reference	DOC 88-18215
Instrument Date	May 17, 2022
Instrument	2022-00010083
Transaction Type	Transfer
Record Updated	Jun 13, 2022
Title Company	NOT AVAILABLE, FTC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2705 KEYSTONE RD, BLOOMINGTON, IL 61704-8443

Mortgage

Document Number	202200010084
Date	Jun 3, 2022
Instrument	2022-00010084

Lender

Name	ILLINOIS STATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2037

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	2705 KEYSTONE RD, BLOOMINGTON, IL 61704-8443
Transaction Type	Mortgage
Record Updated	Nov 30, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100027739
Date	Nov 22, 2021
Instrument	2021-00027739

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.25%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	2705 KEYSTONE RD, BLOOMINGTON, IL 61704-8443
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000024325
Date	Nov 9, 2020
Instrument	2020-00024325

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Nov 12, 2019
Property Address	2705 KEYSTONE RD, BLOOMINGTON, IL 61704-8443
Document Number	201900018650
Map Reference	DOC 88-18215
Instrument Date	Nov 1, 2019
Instrument	2019-00018650
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	FRONTIER TITLE COMPANY, FRONTIER TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$352.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2705 KEYSTONE RD, BLOOMINGTON, IL 61704-8443

Mortgage

Document Number	201900018651
Date	Nov 12, 2019
Instrument	2019-00018651

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.87%

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		$118,059 Land $28,953 Building $89,106	$354,177 Land $86,859 Building $267,318
2024	$8,566.00 (+7.72%)
2023	$7,952.00 (+72.46%)	$99,866 (+14.41%) Land $24,491 Building $75,375	$299,598 (+14.41%) Land $73,473 Building $226,125
2022	$4,611.00	$87,287 Land $21,406 Building $65,881	$261,861 Land $64,218 Building $197,643

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 2705 Keystone Rd 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	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

Wildfire risk around 2705 Keystone Rd 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 99.1% of the US · lower than 94% 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 360 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: Pavlov Media.

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