2903 Keystone Rd, Bloomington, IL 61704 Property Records

McLean County property record for 2903 Keystone Rd, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,821 sqft · built 1994
Lot Size	0.266 acres (11,606 sqft)
Owner	2 Individual Names on Record
Last Sale	$363,000 (Sep 2025)
Tax Bill	$8,922 (2024)
Deeds & Mortgages	Aug 2022 Mortgage Sep 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-25-226-022`

Property Details

APN / Parcel Number

Primary APN	`14-25-226-022`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,821 sqft Living Area
Gross Area	3,716 sqft
1st Floor Area	1,205 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	11,606 sqft (0.266 acres)
Lot Dimensions	145 ft deep x 80 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	895 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	510 sqft
Porch	Open Concrete/Masonry Porch
Deck Area	192 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2903 KEYSTONE RD
City	BLOOMINGTON
State	IL
Zip	61704-8447
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	EAGLE RIDGE SUB 6TH ADD LOT 246
Legal Range	02E
Legal Township	24N
Legal Section	25
Legal Subdivision	EAGLE RIDGE SUB
Legal Lot Number	246
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1000
Census Tract	506

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	2903 KEYSTONE RD, BLOOMINGTON, IL 61704-8447
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 17, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Sep 29, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC
Dec 5, 2019	Warranty Deed, Transfer · Conventional Mortgage IAA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2025 · Amount on Record
Deed Sale	Sep 29, 2025 · Amount on Record
Prior Sale	Dec 5, 2019 · Amount on Record
Deed Document Number	202513537
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	2903 KEYSTONE RD, BLOOMINGTON, IL 61704-8447
Transaction Type	Mortgage
Record Updated	Oct 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200015285
Date	Aug 26, 2022
Instrument	2022-00015285

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2037

Interest

Rate	4.5%

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	2903 KEYSTONE RD, BLOOMINGTON, IL 61704-8447
Transaction Type	Mortgage
Record Updated	Oct 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2903 KEYSTONE RD, BLOOMINGTON, IL 61704-8447

Mortgage

Document Number	202400013463
Date	Sep 17, 2024
Instrument	2024-00013463

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2039

Interest

Rate	6.62%

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Sep 29, 2025
Property Address	2903 KEYSTONE RD, BLOOMINGTON, IL 61704-8447
Document Number	202500013537
Map Reference	DOC 90-10977
Instrument Date	Sep 15, 2025
Instrument	2025-00013537
Transaction Type	Transfer
Record Updated	Oct 8, 2025
Title Company	UNKNOWN, FTC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$363.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2903 KEYSTONE RD, BLOOMINGTON, IL 61704-8447

Mortgage

Document Number	202500013538
Date	Sep 29, 2025
Instrument	2025-00013538

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.62%

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Dec 5, 2019
Property Address	2903 KEYSTONE RD, BLOOMINGTON, IL 61704-8447
Document Number	201900020113
Map Reference	DOC 90-10977
Instrument Date	Oct 11, 2019
Instrument	2019-00020113
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	NOT AVAILABLE, FRONTIER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$376.50
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	2903 KEYSTONE RD, BLOOMINGTON, IL 61704-8447

Mortgage

Document Number	201900020114
Date	Dec 5, 2019
Instrument	2019-00020114

Lender

Name	IAA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

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		$122,701 (+5.33%) Land $30,238 Building $92,463	$368,103 (+5.33%) Land $90,714 Building $277,389
2024	$8,922.00 (+7.69%)	$116,495 (+12.24%) Land $28,709 Building $87,786	$349,485 (+12.24%) Land $86,127 Building $263,358
2023	$8,285.00	$103,794 Land $25,579 Building $78,215	$311,382 Land $76,737 Building $234,645

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

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 144 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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