3405 McNiff Dr, Bloomington, IL 61704 Property Records

McLean County property record for 3405 McNiff Dr, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,992 sqft · built 1998
Lot Size	0.11 acres (4,791 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Nov 2019)
Tax Bill	$5,413 (2024)
Deeds & Mortgages	Oct 2026 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-07-352-003`

Property Details

APN / Parcel Number

Primary APN	`22-07-352-003`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,992 sqft Living Area
Gross Area	2,372 sqft
1st Floor Area	669 sqft
Basement Area	450 sqft
Finished Basement	450 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	4,791 sqft (0.11 acres)
Lot Dimensions	101 ft deep x 46 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Frame Porch
Deck Area	100 sqft
Patio Area	100 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3405 MCNIFF DR
City	BLOOMINGTON
State	IL
Zip	61704-9469
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	PRAIRIEVIEW ESTATES SOUTH LOT 54
Legal Range	03E
Legal Township	23N
Legal Section	07
Legal Subdivision	PRAIRIEVIEW ESTATES
Legal Lot Number	54
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1001
Census Tract	1108

Owner

Source: McLean County records, as of October 21, 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	3405 MCNIFF DR, BLOOMINGTON, IL 61704-9469
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 3, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Nov 21, 2019	Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2019 · Amount on Record
Deed Sale	Nov 21, 2019 · Amount on Record
Prior Sale	Jul 6, 2007 · Amount on Record
Deed Document Number	201919285
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Recording Date	Oct 13, 2026
Property Address	3405 MCNIFF DR, BLOOMINGTON, IL 61704-9469
Document Number	0000015433
Instrument Date	Sep 21, 2026
Instrument	202615433
Transaction Type	Mortgage
Record Updated	Oct 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3405 MCNIFF DR, BLOOMINGTON, IL 61704-9469
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015433,
Date	Oct 13, 2026
Instrument	202615433

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2046

Interest

Rate Type	Fixed Rate
Rate	11.2%
Initial Type	Fixed Rate
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	3405 MCNIFF DR, BLOOMINGTON, IL 61704-9469
Transaction Type	Mortgage
Record Updated	Feb 15, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100002555
Date	Feb 3, 2021
Instrument	2021-00002555

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Nov 21, 2019
Property Address	3405 MCNIFF DR, BLOOMINGTON, IL 61704-9469
Document Number	201900019285
Map Reference	DOC 97-22435
Instrument Date	Nov 15, 2019
Instrument	2019-00019285
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$202.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3405 MCNIFF DR, BLOOMINGTON, IL 61704-9469

Mortgage

Document Number	201900019286
Date	Nov 21, 2019
Instrument	2019-00019286

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.49%

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		$87,982 (+36.07%) Land $14,361 Building $73,621	$263,946 (+36.07%) Land $43,083 Building $220,863
2024	$5,413.00 (+8.94%)
2023	$4,969.00 (+7.53%)	$64,658 (+10.9%) Land $10,554 Building $54,104	$193,974 (+10.9%) Land $31,662 Building $162,312
2022	$4,621.00	$58,303 Land $9,517 Building $48,786	$174,909 Land $28,551 Building $146,358

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

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 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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