3 Lake Trail Rd, Bloomington, IL 61701 Property Records

McLean County property record for 3 Lake Trail Rd, Bloomington, IL 61701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,087 sqft · built 1998
Lot Size	0.08 acres (3,500 sqft)
Owner	2 Individual Names on File
Last Sale	$177,000 (Aug 2022)
Tax Bill	$4,671 (2024)
Deeds & Mortgages	Aug 2022 Sale & Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-32-153-008`

Property Details

APN / Parcel Number

Primary APN	`14-32-153-008`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,087 sqft Living Area
Gross Area	2,467 sqft
1st Floor Area	696 sqft
Basement Area	450 sqft
Finished Basement	450 sqft
Flooring	Carpet

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	3,500 sqft (0.08 acres)
Lot Dimensions	100 ft deep x 35 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3 LAKE TRAIL RD
City	BLOOMINGTON
State	IL
Zip	61701-6120
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LAKE RIDGE SUB 1ST ADD LOT 66
Legal Range	02E
Legal Township	24N
Legal Section	32
Legal Subdivision	LAKE RIDGE SUB
Legal Lot Number	66
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1009
Census Tract	1403

Owner

3 Lake Trail Rd is owned by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2612 SEDONA DR, NORMAL, IL 61761-5487
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 11, 2022	Warranty Deed, Transfer · Commercial Mortgage BANK OF PONTIAC
May 26, 2021	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Apr 8, 2020	Warranty Deed, Transfer · FHA Mortgage COMPASS MORTGAGE INC
Jul 26, 2019	Warranty Deed, Transfer · Conventional Mortgage FLANAGAN STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2022 · Amount on File
Deed Sale	Aug 11, 2022 · Amount on File
Prior Sale	Apr 8, 2020 · Amount on File
Deed Document Number	202214209
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Aug 11, 2022
Property Address	3 LAKE TRAIL RD, BLOOMINGTON, IL 61701-6120
Document Number	202200014209
Map Reference	DOC 97-8493
Instrument Date	Jul 28, 2022
Instrument	2022-00014209
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$177.00
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	2612 SEDONA DR, NORMAL, IL 61761-5487

Mortgage

Document Number	202200014210
Date	Aug 11, 2022
Instrument	2022-00014210

Lender

Name	BANK OF PONTIAC
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3 LAKE TRAIL RD, BLOOMINGTON, IL 61701-6120
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100012514
Date	May 26, 2021
Instrument	2021-00012514

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	348 Months
Due	May 1, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Apr 8, 2020
Property Address	3 LAKE TRAIL RD, BLOOMINGTON, IL 61701-6120
Document Number	202000006020
Map Reference	DOC 97-8493
Instrument Date	Apr 1, 2020
Instrument	2020-00006020
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	MCLEAN COUNTY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$218.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 LAKE TRAIL RD, BLOOMINGTON, IL 61701-6120

Mortgage

Document Number	202000006021
Date	Apr 8, 2020
Instrument	2020-00006021

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

Mortgage

Document Number	202000006022
Date	Apr 8, 2020
Instrument	2020-00006022

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jul 26, 2019
Property Address	3 LAKE TRAIL RD, BLOOMINGTON, IL 61701-6120
Document Number	201900011602
Map Reference	DOC 97-8493
Instrument Date	Jul 18, 2019
Instrument	2019-00011602
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	FRONTIER TITLE COMPANY, FRONTIER TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$208.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 LAKE TRAIL RD, BLOOMINGTON, IL 61701-6120

Mortgage

Document Number	201900011603
Date	Jul 26, 2019
Instrument	2019-00011603

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate
Rate	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		$72,477 Land $10,411 Building $62,066	$217,431 Land $31,233 Building $186,198
2024	$4,671.00 (+3.34%)
2023	$4,520.00 (+7.93%)	$59,355 (+11.14%) Land $8,526 Building $50,829	$178,065 (+11.14%) Land $25,578 Building $152,487
2022	$4,188.00	$53,406 Land $7,671 Building $45,735	$160,218 Land $23,013 Building $137,205

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 Trail Rd in Zone X, an area of minimal flood risk.

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	4 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

The area around 3 Lake Trail Rd 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 239 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

May also be available: Watch TV.

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