2820 Phillip Pl, Bloomington, IL 61704 Property Records

McLean County property record for 2820 Phillip Pl, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,062 sqft · built 1984
Lot Size	0.23 acres (10,015 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Jun 2025)
Tax Bill	$4,820 (2024)
Deeds & Mortgages	Jul 2020 Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-01-377-026`

Property Details

APN / Parcel Number

Primary APN	`21-01-377-026`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,062 sqft Living Area
Gross Area	2,726 sqft
1st Floor Area	1,004 sqft
Basement Area	635 sqft
Finished Basement	350 sqft
Unfinished Basement	285 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Wood Siding
Foundation Type	Block
Roof Material	Asphalt
Lot Area	10,015 sqft (0.23 acres)
Lot Dimensions	121 ft deep x 69 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	379 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Deck Area	168 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2820 PHILLIP PL
City	BLOOMINGTON
State	IL
Zip	61704-4638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	10TH ADD WASHINGTON EAST LOT 389
Legal Range	02E
Legal Township	23N
Legal Section	01
Legal Subdivision	10TH ADD WASHINGTON EAST
Legal Lot Number	389
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	2
Census Block	2022
Census Tract	1103

Owner

Source: McLean County records, 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	2 Individual Names on Record
Mailing Address	2820 PHILLIP PL, BLOOMINGTON, IL 61704-4638
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2020	Deed of Trust, Mortgage · Commercial Mortgage MARINE BANK SPRINGFIELD
Apr 7, 2022	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Jul 22, 2020	Warranty Deed, Transfer · Stand-Alone Second Mortgage FIRST STATE MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2025 · Amount on Record
Deed Sale	Jun 9, 2025 · Amount on Record
Prior Sale	Apr 7, 2022 · Amount on Record
Deed Document Number	20257629
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	2820 PHILLIP PL, BLOOMINGTON, IL 61704-4638
Transaction Type	Mortgage
Record Updated	Jun 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000013594
Date	Jul 18, 2020
Instrument	2020-00013594

Lender

Name	MARINE BANK SPRINGFIELD
Type	Bank
Address	SPRINGFIELD, IL 62704

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Apr 7, 2022
Property Address	2820 PHILLIP PL, BLOOMINGTON, IL 61704-4638
Document Number	202200006383
Map Reference	DOC 78-4769
Instrument Date	Apr 4, 2022
Instrument	2022-00006383
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	MCLEAN COUNTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2820 PHILLIP PL, BLOOMINGTON, IL 61704-4638

Mortgage

Document Number	202200006384
Date	Apr 7, 2022
Instrument	2022-00006384

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	5.12%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jul 22, 2020
Property Address	2820 PHILLIP PL, BLOOMINGTON, IL 61704-4638
Document Number	202000013942
Map Reference	DOC 78-4769
Instrument Date	Jul 2, 2020
Instrument	2020-00013942
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	FTC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$247.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 PHILLIP PL, BLOOMINGTON, IL 61704-4638

Mortgage

Document Number	202000013944
Date	Jul 22, 2020
Instrument	2020-00013944

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Mortgage

Document Number	202000013943
Date	Jul 22, 2020
Instrument	2020-00013943

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

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		$73,927 (+23.19%) Land $14,950 Building $58,977	$221,781 (+23.19%) Land $44,850 Building $176,931
2024	$4,820.00 (+6.78%)
2023	$4,514.00 (+6.99%)	$60,010 (+7.83%) Land $13,143 Building $46,867	$180,030 (+7.83%) Land $39,429 Building $140,601
2022	$4,219.00	$55,650 Land $12,188 Building $43,462	$166,950 Land $36,564 Building $130,386

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
Nearby Flood Claims	1 (1980)
Most Recent Claim	Jun 1980 · rainfall accumulation

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	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 373 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
Watch TV Fixed Wireless	100 / 20

May also be available: Frontier, Nextlink, Pavlov Media.

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