3 Lake Bluff Ct, Bloomington, IL 61704 Property Records

McLean County property record for 3 Lake Bluff Ct, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,906 sqft · built 1984
Lot Size	0.223 acres (9,710 sqft)
Owner	2 Individual Names on File
Last Sale	$265,500 (Dec 2023)
Tax Bill	$7,795 (2024)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Dec 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`21-17-276-016`

Property Details

APN / Parcel Number

Primary APN	`21-17-276-016`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,906 sqft Living Area
Gross Area	4,394 sqft
1st Floor Area	1,302 sqft
Basement Area	1,302 sqft
Finished Basement	1,302 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Asphalt
Lot Area	9,710 sqft (0.223 acres)
Lot Dimensions	250 ft deep x 63 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	488 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Deck Area	Deck Area
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3 LAKE BLUFF CT
City	BLOOMINGTON
State	IL
Zip	61704-7255
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	BLOOMING GROVE LOT 42
Legal Range	02E
Legal Township	23N
Legal Section	17
Legal Subdivision	BLOOMING GROVE
Legal Tract	2
Legal Lot Number	42
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	2
Census Block	2023
Census Tract	2101

Owner

3 Lake Bluff Ct is owned and occupied by two individuals who bought it in December 2023.

Source: McLean County records, as of April 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3 LAKE BLUFF CT, BLOOMINGTON, IL 61704-7255
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2023	Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC
Dec 5, 2022	Intrafamily Transfer, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2023 · Amount on File
Deed Sale	Dec 4, 2023 · Amount on File
Deed Document Number	202316464
Prior Transfer Date	Nov 28, 2022
Prior Transfer Doc	0000021183
Record Updated	Oct 29, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MCLEAN IL
Recording Date	Dec 4, 2023
Property Address	3 LAKE BLUFF CT, BLOOMINGTON, IL 61704-7255
Document Number	202300016464
Map Reference	DOC 78-15260
Instrument Date	Nov 17, 2023
Instrument	2023-00016464
Transaction Type	Transfer
Record Updated	Dec 13, 2023
Title Company	NOT AVAILABLE, FTC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$265.50
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	3 LAKE BLUFF CT, BLOOMINGTON, IL 61704-7255

Mortgage

Document Number	202300016465
Date	Dec 4, 2023
Instrument	2023-00016465

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.5%
Type Change Date	Dec 1, 2053

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLEAN IL
Recording Date	Dec 5, 2022
Property Address	3 LAKE BLUFF CT, BLOOMINGTON, IL 61704-7255
Document Number	202200021183
Instrument Date	Nov 28, 2022
Instrument	2022-00021183
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 LAKE BLUFF CT, BLOOMINGTON, IL 61704-7255

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		$110,904 Land $22,157 Building $88,747	$332,712 Land $66,471 Building $266,241
2024	$7,795.00 (+19.78%)
2023	$6,508.00 (+14.44%)	$88,953 (+16.46%) Land $17,771 Building $71,182	$266,859 (+16.46%) Land $53,313 Building $213,546
2022	$5,687.00	$76,379 Land $15,259 Building $61,120	$229,137 Land $45,777 Building $183,360

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

FEMA maps place 3 Lake Bluff Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1986.

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 Claims	2 (1986–2004)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2004 · 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

The area around 3 Lake Bluff Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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 302 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
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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