McLean County property record for 28 Cross Creek Ct, Downs, IL 61736
| Property Type | Single Family Home |
|---|---|
| Details | 1,650 sqft · built 2018 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $283,000 (Apr 2018) |
| Tax Bill | $10,154 (2024) |
| Deeds & Mortgages | Feb 2021 Mortgage Apr 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-04-377-005 |
| Primary APN | 29-04-377-005 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 1,650 sqft Living Area |
| 1st Floor Area | 1,650 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 22,651 sqft (0.52 acres) |
| Street Address | 28 CROSS CREEK CT |
|---|---|
| City | DOWNS |
| State | IL |
| Zip | 61736-7803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CROSS CREEK PLAZA PHASE 1 2ND ADD LOT 34 |
| Legal Subdivision | CROSS CREEK |
| Legal Lot Number | 34 |
| Jurisdiction | MCLEAN IL |
| Township / Civil Division | DOWNS |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 5402 |
28 Cross Creek Ct is owned and occupied by two individuals who bought it in April 2018.
Source: McLean County records, as of April 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28 CROSS CREEK CT, DOWNS, IL 61736-7803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 18, 2021 | Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA |
| Apr 12, 2018 | Warranty Deed, Transfer STATE FARM BANK FSB |
| Jan 30, 2017 | Warranty Deed, Transfer FIRST COUNTY TITLE, FIRST COMMUNITY TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 12, 2018 · Amount on File |
| Deed Sale | Apr 12, 2018 · Amount on File |
| Prior Sale | Jan 30, 2017 · Amount on File |
| Deed Document Number | 20185502 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 28 CROSS CREEK CT, DOWNS, IL 61736-7803 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2021 |
| Title Company | RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|
| Document Number | 202100003727 |
|---|---|
| Date | Feb 18, 2021 |
| Instrument | 2021-00003727 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Jan 14, 2031 |
| Rate | 3.04% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Apr 12, 2018 |
| Property Address | 28 CROSS CREEK CT, DOWNS, IL 61736-7803 |
| Document Number | 201800005502 |
| Map Reference | DOC2012-21894 |
| Instrument Date | Apr 5, 2018 |
| Instrument | 2018-00005502 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Title Company | ALLIANCE LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $424.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 28 CROSS CREEK CT, DOWNS, IL 61736-7803 |
| Document Number | 201800005503 |
|---|---|
| Date | Apr 12, 2018 |
| Instrument | 2018-00005503 |
| Name | STATE FARM BANK FSB |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 181 Months |
| Due | May 1, 2033 |
| Rate | 4.25% |
|---|---|
| Change Frequency | 2 Years |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Jan 30, 2017 |
| Property Address | 28 CROSS CREEK CT, DOWNS, IL 61736-7803 |
| Document Number | 201700001901 |
| Map Reference | DOC2012-21894 |
| Instrument Date | Jan 13, 2017 |
| Instrument | 2017-00001901 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Title Company | FIRST COUNTY TITLE, FIRST COMMUNITY TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $65.25 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 807 WITTEN WOODS DR, BLOOMINGTON, IL 61704-9037 |
Source: McLean County assessment roll, as of April 8, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | McLean County |
| County Subdivision | Downs Township |
| Municipality | Downs Village |
| Unified School District | Tri-Valley Community Unit School District 3 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $129,095 Land $19,885 Building $109,210 | $387,285 Land $59,655 Building $327,630 | |
| 2024 | $10,154.00 (+13.6%) | ||
| 2023 | $8,938.00 | $107,344 Land $16,534 Building $90,810 | $322,032 Land $49,602 Building $272,430 |
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.
FEMA maps place 28 Cross Creek Ct 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 risk around 28 Cross Creek Ct 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 98% of the US · lower than 86% 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.
Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Pavlov Media Fiber | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 1,000 / 500 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Watch TV Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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