3404 E Oakland Ave, Bloomington, IL 61704 Property Records

McLean County property record for 3404 E Oakland Ave, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,500 sqft · built 1960
Lot Size	0.894 acres (38,959 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Dec 2020)
Tax Bill	$4,653 (2024)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-01-451-045`

Property Details

APN / Parcel Number

Primary APN	`21-01-451-045`
Alternative APN	`2101451043`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area
Gross Area	4,024 sqft
1st Floor Area	1,500 sqft
Basement Area	1,500 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	38,959 sqft (0.894 acres)
Lot Dimensions	200 ft deep x 196 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	710 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Frame Porch
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	2101451043
Street Address	3404 E OAKLAND AVE
City	BLOOMINGTON
State	IL
Zip	61704-6208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PT SE 1-23-2E BEG SW COR LOT 6 WATERFORD ESTATES SUB, W196.2, N200.01, E194.2, S200 TO POB
Legal Subdivision	WATERFORD ESTATES
Legal Lot Number	6
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	2
Census Block	2013
Census Tract	1103

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3404 E OAKLAND AVE, BLOOMINGTON, IL 61704-6208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK & TRUST CO
Feb 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE SERVICES III LLC
Dec 30, 2020	Warranty Deed, Transfer
Nov 20, 2017	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2020 · Amount on Record
Deed Sale	Dec 30, 2020 · Amount on Record
Prior Sale	May 29, 2012 · Amount on Record
Deed Document Number	202028563
Prior Transfer Date	Nov 14, 2017
Prior Transfer Doc	0000020972
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3404 E OAKLAND AVE, BLOOMINGTON, IL 61704-6208
Transaction Type	Mortgage
Record Updated	Feb 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3404 E OAKLAND AVE, BLOOMINGTON, IL 61704-6208

Mortgage

Document Number	202600001995
Date	Feb 11, 2026
Instrument	2026-00001995

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.42%
Change Frequency	2 Years

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3404 E OAKLAND AVE, BLOOMINGTON, IL 61704-6208
Transaction Type	Mortgage
Record Updated	Nov 23, 2023
Title Company	FRONTIER TITLE COMPANY, FRONTIER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201700002644
Date	Feb 10, 2017
Instrument	2017-00002644

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Dec 30, 2020
Property Address	3404 E OAKLAND AVE, BLOOMINGTON, IL 61704-6208
Document Number	202000028563
Instrument Date	Dec 15, 2020
Instrument	2020-00028563
Transaction Type	Transfer
Record Updated	Nov 23, 2023

Transaction

Amount	Amount Recorded
Tax	$225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3404 E OAKLAND AVE, BLOOMINGTON, IL 61704-6208

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLEAN IL
Recording Date	Nov 20, 2017
Property Address	3404 E OAKLAND AVE, BLOOMINGTON, IL 61704-6208
Document Number	201700020972
Instrument Date	Nov 14, 2017
Instrument	2017-00020972
Transaction Type	Transfer
Record Updated	Nov 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3402 E OAKLAND AVE, BLOOMINGTON, IL 61704-6208
Investor	Possibly a Property Investor

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		$64,832 (+5.68%) Land $30,873 Building $33,959	$194,496 (+5.68%) Land $92,619 Building $101,877
2024	$4,653.00 (+0.58%)
2023	$4,626.00 (+9.16%)	$61,350 (+9.8%) Land $29,215 Building $32,135	$184,050 (+9.8%) Land $87,645 Building $96,405
2022	$4,238.00	$55,873 Land $26,607 Building $29,266	$167,619 Land $79,821 Building $87,798

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1980)
Most Recent Claim	Jun 1980 · rainfall accumulation

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	Low lower than 99.1% of the US · lower than 94% 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 503 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

May also be available: Frontier.

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