3126 Monterey Rd, Bloomington, IL 61704 Property Records

McLean County property record for 3126 Monterey Rd, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,008 sqft · built 1996
Lot Size	0.271 acres (11,785 sqft)
Owner	2 Individual Names on Record
Last Sale	$384,500 (Jul 2024)
Tax Bill	$7,910 (2024)
Deeds & Mortgages	Feb 2017 Mortgage Jun 2006 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`15-31-101-052`

Property Details

APN / Parcel Number

Primary APN	`15-31-101-052`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,008 sqft Living Area
Gross Area	3,620 sqft
1st Floor Area	1,097 sqft
Basement Area	840 sqft
Finished Basement	840 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
Roof Material	Asphalt
Lot Area	11,785 sqft (0.271 acres)
Lot Dimensions	147 ft deep x 95 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	612 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Deck Area	268 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3126 MONTEREY RD
City	BLOOMINGTON
State	IL
Zip	61704-2911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	LOT 152 EAGLE CREEK SUB 3RD ADD
Legal Range	03E
Legal Township	24N
Legal Section	31
Legal Subdivision	EAGLE CREEK
Legal Lot Number	152
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1003
Census Tract	5104

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	3126 MONTEREY RD, BLOOMINGTON, IL 61704-2911
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2017	Deed of Trust, Mortgage CEFCU
Jun 9, 2006	Deed of Trust, Mortgage · ARM HEARTLAND BANK & TRUST CO
May 22, 2009	Deed of Trust, Mortgage HEARTLAND BANK & TRUST CO
May 10, 2006	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK & TRUST CO
May 10, 2006	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HEARTLAND BANK & TRUST CO
May 5, 2005	Deed of Trust, Mortgage · Line of Credit NATIONAL CITY BANK
Feb 27, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage POINT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2024 · Amount on Record
Deed Sale	Jul 23, 2024 · Amount on Record
Deed Document Number	202410466
Last Transfer Date	Feb 10, 2026
Transfer Doc	0000003052
Record Updated	Jun 8, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3126 MONTEREY RD, BLOOMINGTON, IL 61704-2911
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700003134
Date	Feb 17, 2017
Instrument	2017-00003134

Lender

Name	CEFCU
Type	Credit Union
Address	PEORIA, IL 61607

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2032

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3126 MONTEREY RD, BLOOMINGTON, IL 61704-2911
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200600015102
Date	Jun 9, 2006
Instrument	2006-00015102

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2016

Interest

Rate Type	Adjustable Rate
Rate	8.75%
Type Change Date	Jun 1, 2011
Change Frequency	5 Years
Min Rate At Change	6.75%
Max Rate At Change	10.7%
Index	5-Year TN
Max Rate	14.7%

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3126 MONTEREY RD, BLOOMINGTON, IL 61704-2911
Transaction Type	Mortgage
Record Updated	Mar 13, 2026
Title Company	FIRST COUNTY TITLE, FIRST COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200900015472
Date	May 22, 2009
Instrument	2009-00015472

Lender

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

Agreement

Amount	Amount Recorded
Term	328 Months
Due	Sep 1, 2036

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3126 MONTEREY RD, BLOOMINGTON, IL 61704-2911
Transaction Type	Mortgage
Record Updated	Mar 13, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMEICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200600011822
Date	May 10, 2006
Instrument	2006-00011822

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	60704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2036

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3126 MONTEREY RD, BLOOMINGTON, IL 61704-2911
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200600011823
Date	May 10, 2006
Instrument	2006-00011823

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2026

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3126 MONTEREY RD, BLOOMINGTON, IL 61704-2911
Transaction Type	Mortgage
Record Updated	Mar 13, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200500012458
Date	May 5, 2005
Instrument	2005-00012458

Lender

Name	NATIONAL CITY BANK
Type	Bank
Address	00000

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	238 Months
Due	Mar 1, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLEAN IL
Recording Date	Feb 27, 2026
Property Address	3126 MONTEREY RD, BLOOMINGTON, IL 61704-2911
Document Number	202600003052
Map Reference	DOC 1995-00019548
Instrument Date	Feb 10, 2026
Instrument	2026-00003052
Transaction Type	Transfer
Record Updated	Mar 13, 2026
Title Company	ILHTG

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3126 MONTEREY RD, BLOOMINGTON, IL 61704-2911

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3126 MONTEREY RD, BLOOMINGTON, IL 61704-2911

Mortgage

Document Number	202600003053
Date	Feb 27, 2026
Instrument	2026-00003053

Lender

Name	POINT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.99%

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		$110,109 (+5.91%) Land $34,140 Building $75,969	$330,327 (+5.91%) Land $102,420 Building $227,907
2024	$7,910.00 (+7.41%)	$103,963 (+11.89%) Land $32,234 Building $71,729	$311,889 (+11.89%) Land $96,702 Building $215,187
2023	$7,364.00	$92,918 Land $28,809 Building $64,109	$278,754 Land $86,427 Building $192,327

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

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 100 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

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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