3121 Monterey Rd, Bloomington, IL 61704 Property Records

McLean County property record for 3121 Monterey Rd, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,410 sqft · built 1996
Lot Size	0.197 acres (8,564 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Mar 2019)
Tax Bill	$6,880 (2024)
Deeds & Mortgages	Jul 2020 Mortgage Mar 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-31-102-034`

Property Details

APN / Parcel Number

Primary APN	`15-31-102-034`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,410 sqft Living Area
Gross Area	2,970 sqft
1st Floor Area	940 sqft
Basement Area	621 sqft
Finished Basement	544 sqft
Unfinished Basement	77 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	8,564 sqft (0.197 acres)
Lot Dimensions	122 ft deep x 65 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Deck Area	256 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3121 MONTEREY RD
City	BLOOMINGTON
State	IL
Zip	61704-2912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	LOT 150 EAGLE CREEK SUB 3RD ADD
Legal Range	03E
Legal Township	24N
Legal Section	31
Legal Subdivision	EAGLE CREEK
Legal Lot Number	150
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1004
Census Tract	5104

Owner

3121 Monterey Rd is owned and occupied by an individual who bought it in March 2019.

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

Owner of Record	Individual Name on File
Mailing Address	3121 MONTEREY RD, BLOOMINGTON, IL 61704-2912
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
Jul 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FARMERS STATE BANK
Mar 27, 2019	Warranty Deed, Transfer · ARM HICKORY POINT BANK & TRUST
Jul 24, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2019 · Amount on File
Deed Sale	Mar 27, 2019 · Amount on File
Prior Sale	Jun 21, 2007 · Amount on File
Deed Document Number	20194388
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3121 MONTEREY RD, BLOOMINGTON, IL 61704-2912
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000013577
Date	Jul 18, 2020
Instrument	2020-00013577

Lender

Name	FIRST FARMERS STATE BANK
Type	Bank
Address	MINIER, IL 61759

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2040

Interest

Rate Type	Fixed Rate
Rate	3%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Mar 27, 2019
Property Address	3121 MONTEREY RD, BLOOMINGTON, IL 61704-2912
Document Number	201900004388
Map Reference	DOC 95-19548
Instrument Date	Mar 15, 2019
Instrument	2019-00004388
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	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3121 MONTEREY RD, BLOOMINGTON, IL 61704-2912

Mortgage

Document Number	201900004389
Date	Mar 27, 2019
Instrument	2019-00004389

Lender

Name	HICKORY POINT BANK & TRUST
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Apr 1, 2024
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	10.2%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3121 MONTEREY RD, BLOOMINGTON, IL 61704-2912
Transaction Type	Mortgage
Record Updated	Aug 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017-00013179
Date	Jul 24, 2017
Instrument	2017-00013179

Lender

Name	PNC BANK NA
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jul 11, 2057

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$96,595 Land $22,697 Building $73,898	$289,785 Land $68,091 Building $221,694
2024	$6,880.00 (+7.53%)
2023	$6,398.00	$81,515 Land $19,153 Building $62,362	$244,545 Land $57,459 Building $187,086

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 3121 Monterey Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 3121 Monterey 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 452 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
Watch TV Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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