2804 Keystone Rd, Bloomington, IL 61704 Property Records

McLean County property record for 2804 Keystone Rd, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,517 sqft · built 1992
Lot Size	0.359 acres (15,639 sqft)
Owner	Individual Name on File
Last Sale	$495,000 (Aug 2024)
Tax Bill	$12,689 (2024)
Deeds & Mortgages	May 2024 Transfer Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-25-229-037`

Property Details

APN / Parcel Number

Primary APN	`14-25-229-037`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,517 sqft Living Area
Gross Area	5,309 sqft
1st Floor Area	1,845 sqft
Basement Area	950 sqft
Finished Basement	950 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	15,639 sqft (0.359 acres)
Lot Dimensions	180 ft deep x 116 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces
Deck Area	351 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2804 KEYSTONE RD
City	BLOOMINGTON
State	IL
Zip	61704-8444
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	SIXTH ADD TO EAGLE RIDGE LOT 233
Legal Range	02E
Legal Township	24N
Legal Section	25
Legal Subdivision	SIXTH ADD
Legal Lot Number	233
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1004
Census Tract	506

Owner

Source: McLean County assessment roll, 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	Individual Name on File
Mailing Address	2804 KEYSTONE RD, BLOOMINGTON, IL 61704-8444
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
May 8, 2024	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Feb 11, 2022	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 22, 2019	Deed of Trust, Mortgage · ARM HEARTLAND BANK & TRUST CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 15, 2024 · Amount on Record
Deed Sale	Aug 15, 2024 · Amount on Record
Prior Sale	Feb 11, 2022 · Amount on Record
Deed Document Number	202411844
Prior Transfer Date	Apr 25, 2024
Prior Transfer Doc	0000005578
Record Updated	Sep 20, 2026

May 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCLEAN IL
Recording Date	May 8, 2024
Property Address	2804 KEYSTONE RD, BLOOMINGTON, IL 61704-8444
Document Number	202400005578
Map Reference	DOC 90-10977
Instrument Date	Apr 25, 2024
Instrument	2024-00005578
Transaction Type	Transfer
Record Updated	May 17, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 KEYSTONE RD, BLOOMINGTON, IL 61704-8444
Investor	Possibly a Property Investor

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Feb 11, 2022
Property Address	2804 KEYSTONE RD, BLOOMINGTON, IL 61704-8444
Document Number	202200002898
Map Reference	DOC 90-10977
Instrument Date	Feb 11, 2022
Instrument	2022-00002898
Transaction Type	Transfer
Record Updated	Feb 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$415.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 KEYSTONE RD, BLOOMINGTON, IL 61704-8444

Mortgage

Document Number	202200002899
Date	Feb 11, 2022
Instrument	2022-00002899

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Mar 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.5%
Index	Other
Max Rate	7.5%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	2804 KEYSTONE RD, BLOOMINGTON, IL 61704-8444
Transaction Type	Mortgage
Record Updated	Apr 4, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900004140
Date	Mar 22, 2019
Instrument	2019-00004140

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	ARM
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2034

Interest

Rate Type	Adjustable Rate
Rate	6.42%
Type Change Date	Apr 1, 2022
Change Frequency	Annually
Min Rate At Change	6.42%
Max Rate At Change	8.42%
Index	1-Year CMT
Max Rate	12.4%

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		$171,836 (+18.22%) Land $35,093 Building $136,743	$515,508 (+18.22%) Land $105,279 Building $410,229
2024	$12,689.00 (+7.47%)
2023	$11,807.00 (+10.4%)	$145,355 (+14.41%) Land $29,684 Building $115,671	$436,065 (+14.41%) Land $89,052 Building $347,013
2022	$10,695.00	$127,046 Land $25,945 Building $101,101	$381,138 Land $77,835 Building $303,303

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

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 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
Benton Ridge Telephone Company Fixed Wireless	100 / 20

May also be available: Pavlov Media.

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