3111 Ridge Crest Dr, Bloomington, IL 61704 Property Records

McLean County property record for 3111 Ridge Crest Dr, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,219 sqft · built 1994
Lot Size	0.187 acres (8,148 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Mar 2011)
Tax Bill	$7,224 (2024)
Deeds & Mortgages	Mar 2019 Second Mortgage Jan 2022 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`15-30-103-008`

Property Details

APN / Parcel Number

Primary APN	`15-30-103-008`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,219 sqft Living Area
Gross Area	3,989 sqft
1st Floor Area	1,243 sqft
Basement Area	971 sqft
Finished Basement	817 sqft
Unfinished Basement	154 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	8,148 sqft (0.187 acres)
Lot Dimensions	115 ft deep x 71 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Deck Area	128 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3111 RIDGE CREST DR
City	BLOOMINGTON
State	IL
Zip	61704-8307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	LOT 55 RIDGE CREST SUB 1ST ADD
Legal Range	03E
Legal Township	24N
Legal Section	30
Legal Subdivision	RIDGE CREST SUB
Legal Lot Number	55
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	2
Census Block	2004
Census Tract	5103

Owner

3111 Ridge Crest Dr is owned and occupied by two individuals who bought it in March 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	3111 RIDGE CREST DR, BLOOMINGTON, IL 61704-8307
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
Mar 5, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK & TRUST CO
Aug 11, 2014	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK & TRUST CO
Jan 10, 2012	Deed of Trust, Mortgage · Line of Credit HEARTLAND BANK & TRUST CO
Oct 31, 2012	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK & TRUST CO
Jun 4, 2008	Deed of Trust, Mortgage HEARTLAND BANK & TRUST CO
Apr 17, 2009	Deed of Trust, Mortgage HEARTLAND BANK & TRUST CO
May 30, 2008	Deed of Trust, Mortgage · Line of Credit HEARTLAND BANK & TRUST CO
Mar 1, 2011	Trustee's Deed, Foreclosure · Conventional Mortgage HEARTLAND BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2011 · Amount on File
Deed Sale	Mar 1, 2011 · Amount on File
Deed Document Number	20114919
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3111 RIDGE CREST DR, BLOOMINGTON, IL 61704-8307
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	GREATER ILLINOIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201900003203
Date	Mar 5, 2019
Instrument	2019-00003203

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 28, 2039

Interest

Rate	10.7%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3111 RIDGE CREST DR, BLOOMINGTON, IL 61704-8307
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202200000030
Date	Jan 4, 2022
Instrument	2022-00000030

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.62%

August 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3111 RIDGE CREST DR, BLOOMINGTON, IL 61704-8307
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201400013617
Date	Aug 11, 2014
Instrument	2014-00013617

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2044

January 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3111 RIDGE CREST DR, BLOOMINGTON, IL 61704-8307
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201200000833
Date	Jan 10, 2012
Instrument	2012-00000833

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	NORMAL, IL 61761

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Change Frequency	Monthly
Max Rate	18%

October 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3111 RIDGE CREST DR, BLOOMINGTON, IL 61704-8307
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201200027632
Date	Oct 31, 2012
Instrument	2012-00027632

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2042

June 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3111 RIDGE CREST DR, BLOOMINGTON, IL 61704-8307
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200800015611
Date	Jun 4, 2008
Instrument	2008-00015611

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jun 1, 2018

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3111 RIDGE CREST DR, BLOOMINGTON, IL 61704-8307
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200900011438
Date	Apr 17, 2009
Instrument	2009-00011438

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61705

Agreement

Amount	Amount on Record
Term	121 Months
Due	May 1, 2019

May 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3111 RIDGE CREST DR, BLOOMINGTON, IL 61704-8307
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200800015089
Date	May 30, 2008
Instrument	2008-00015089

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61702

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5%
Change Frequency	Monthly

March 2011: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MCLEAN IL
Recording Date	Mar 1, 2011
Property Address	3111 RIDGE CREST DR, BLOOMINGTON, IL 61704-8307
Document Number	201100004919
Map Reference	DOC91-24812
Instrument Date	Feb 18, 2011
Instrument	2011-00004919
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026
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	$300.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3111 RIDGE CREST DR, BLOOMINGTON, IL 61704-8307
Investor	Possibly a Property Investor

Mortgage

Document Number	201100004920
Date	Mar 1, 2011
Instrument	2011-00004920

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2041

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		$100,558 Land $17,807 Building $82,751	$301,674 Land $53,421 Building $248,253
2024	$7,224.00 (+8.05%)
2023	$6,686.00	$84,914 Land $15,037 Building $69,877	$254,742 Land $45,111 Building $209,631

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 3111 Ridge Crest Dr 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

Wildfire risk around 3111 Ridge Crest Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% 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 360 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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