3103 Sable Oaks Rd, Bloomington, IL 61704 Property Records

McLean County property record for 3103 Sable Oaks Rd, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,611 sqft · built 2003
Lot Size	0.187 acres (8,158 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Nov 2011)
Tax Bill	$7,290 (2021)
Deeds & Mortgages	Aug 2020 Mortgage May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-12-403-016`

Property Details

APN / Parcel Number

Primary APN	`21-12-403-016`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,611 sqft Living Area
Gross Area	3,329 sqft
1st Floor Area	1,030 sqft
Basement Area	400 sqft
Finished Basement	400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	8,158 sqft (0.187 acres)
Lot Dimensions	120 ft deep x 68 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	718 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	377 sqft
Porch	Open Frame Porch
Deck Area	203 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3103 SABLE OAKS RD
City	BLOOMINGTON
State	IL
Zip	61704-4850
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	GAELIC PLACE SUB 2ND ADD LOT 72
Legal Range	02E
Legal Township	23N
Legal Section	12
Legal Subdivision	GAELIC PLACE
Legal Lot Number	72
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1009
Census Tract	1108

Owner

3103 Sable Oaks Rd is owned and occupied by two individuals who acquired it in April 2025.

Source: McLean County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3103 SABLE OAKS RD, BLOOMINGTON, IL 61704-4850
Occupancy	Owner Occupied
Owner Type	Individual

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 6, 2020	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB
May 5, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2011 · Amount on File
Deed Sale	Nov 10, 2011 · Amount on File
Deed Document Number	201124947
Last Transfer Date	Apr 21, 2025
Transfer Doc	0000005867
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3103 SABLE OAKS RD, BLOOMINGTON, IL 61704-4850
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000015111
Date	Aug 6, 2020
Instrument	2020-00015111

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	299 Months
Due	Jul 1, 2045

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3103 SABLE OAKS RD, BLOOMINGTON, IL 61704-4850
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100010593
Date	May 5, 2021
Instrument	2021-00010593

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.5%

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		$138,120 Land $26,914 Building $111,206	$414,360 Land $80,742 Building $333,618
2023		$108,208 Land $21,085 Building $87,123	$324,624 Land $63,255 Building $261,369
2021	$7,290.00
2019	$7,119.00

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 3103 Sable Oaks 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	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

The area around 3103 Sable Oaks 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 496 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Watch TV Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Pavlov Media.

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