McLean County property record for 28 Downing Cir, Bloomington, IL 61704
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,582 sqft · built 1992 |
| Lot Size | 0.197 acres (8,567 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $310,500 (May 2021) |
| Tax Bill | $9,274 (2024) |
| Deeds & Mortgages | May 2021 Sale & Mortgage Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-12-353-025 |
| Primary APN | 21-12-353-025 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,582 sqft Living Area |
| Gross Area | 4,536 sqft |
| 1st Floor Area | 1,188 sqft |
| Basement Area | 1,144 sqft |
| Finished Basement | 1,098 sqft |
| Unfinished Basement | 46 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Asphalt |
| Lot Area | 8,567 sqft (0.197 acres) |
| Lot Dimensions | 110 ft deep x 73 ft wide |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 908 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Greenhouse | Greenhouse |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 28 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 353 |
| Legal Range | 02E |
| Legal Township | 23N |
| Legal Section | 12 |
| Legal Subdivision | ROLLINGBROOK SUB |
| Legal Lot Number | 353 |
| Jurisdiction | MCLEAN IL |
| Township / Civil Division | BLOOMINGTON CITY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 1108 |
Source: McLean County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 28 DOWNING CIR, BLOOMINGTON, IL 61704-7619 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2021 | Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE |
| Jan 9, 2018 | Warranty Deed, Transfer · Conventional Mortgage USAA FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 18, 2021 · Amount on Record |
| Deed Sale | May 18, 2021 · Amount on Record |
| Prior Sale | Jan 9, 2018 · Amount on Record |
| Deed Document Number | 202111602 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | May 18, 2021 |
| Property Address | 28 DOWNING CIR, BLOOMINGTON, IL 61704-7619 |
| Document Number | 202100011602 |
| Map Reference | DOC 79-7763 |
| Instrument Date | May 6, 2021 |
| Instrument | 2021-00011602 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2021 |
| Title Company | NOT AVAILABLE, FTC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $465.75 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3105 RUDDER LN APT 305, 305, BLOOMINGTON, IL 61704-8586 |
| Document Number | 202100011603 |
|---|---|
| Date | May 18, 2021 |
| Instrument | 2021-00011603 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.62% |
| Max Rate | 7.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Jan 9, 2018 |
| Property Address | 28 DOWNING CIR, BLOOMINGTON, IL 61704-7619 |
| Document Number | 201800000577 |
| Map Reference | DOC79-7763 |
| Instrument Date | Dec 21, 2017 |
| Instrument | 2018-00000577 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Title Company | ALLIANCE LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $388.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 28 DOWNING CIR, BLOOMINGTON, IL 61704-7619 |
| Document Number | 201800000578 |
|---|---|
| Date | Jan 9, 2018 |
| Instrument | 2018-00000578 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2038 |
Source: McLean County assessment roll, as of April 8, 2026
| Type | Name |
|---|---|
| State | Illinois |
| Municipality | Bloomington City |
| County | McLean County |
| County Subdivision | Bloomington City Township |
| Unified School District | Bloomington School District 87 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $126,801 (+25.15%) Land $19,051 Building $107,750 | $380,403 (+25.15%) Land $57,153 Building $323,250 | |
| 2024 | $9,274.00 (+16.42%) | ||
| 2023 | $7,966.00 | $101,319 Land $15,222 Building $86,097 | $303,957 Land $45,666 Building $258,291 |
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.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 324 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 |
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