McLean County property record for 3909 Lay Ln, Bloomington, IL 61705
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,627 sqft · built 2007 |
| Lot Size | 0.242 acres (10,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $472,833 (Oct 2022) |
| Tax Bill | $11,716 (2024) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-29-303-005 |
| Primary APN | 15-29-303-005 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,627 sqft Living Area |
| Gross Area | 4,497 sqft |
| 1st Floor Area | 1,621 sqft |
| Basement Area | 925 sqft |
| Finished Basement | 925 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Asphalt |
| Lot Area | 10,560 sqft (0.242 acres) |
| Lot Dimensions | 120 ft deep x 88 ft wide |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 870 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Greenhouse | Greenhouse |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 3909 LAY LN |
|---|---|
| City | BLOOMINGTON |
| State | IL |
| Zip | 61705-8828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1C |
| Legal Description | EAGLE VIEW SOUTH SUB LT 59 |
| Legal Range | 03E |
| Legal Township | 24N |
| Legal Section | 29 |
| Legal Subdivision | EAGLE VIEW SOUTH SUB |
| Legal Lot Number | 59 |
| Jurisdiction | MCLEAN IL |
| Township / Civil Division | BLOOMINGTON CITY |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 5103 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3909 LAY LN, BLOOMINGTON, IL 61705-8828 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 26, 2022 | Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Mar 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 26, 2022 · Amount on Record |
| Deed Sale | Oct 26, 2022 · Amount on Record |
| Prior Sale | Feb 12, 2015 · Amount on Record |
| Deed Document Number | 202219127 |
| Prior Transfer Date | Jun 16, 2009 |
| Prior Transfer Doc | 0000018768 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCLEAN IL |
| Recording Date | Oct 26, 2022 |
| Property Address | 3909 LAY LN, BLOOMINGTON, IL 61705-8828 |
| Document Number | 202200019127 |
| Map Reference | DOC 2006-00012954 |
| Instrument Date | Sep 21, 2022 |
| Instrument | 2022-00019127 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2022 |
| Title Company | MCLEAN COUNTY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $447.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3904 LAYLN, BLOOMINGTON, IL 61705-8832 |
| Document Number | 202200019128 |
|---|---|
| Date | Oct 26, 2022 |
| Instrument | 2022-00019128 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 3909 LAY LN, BLOOMINGTON, IL 61705-8828 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202100005719 |
|---|---|
| Date | Mar 9, 2021 |
| Instrument | 2021-00005719 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | STORRS MANSFIELD, CT 6269 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.22% |
Source: McLean County assessment roll, as of April 8, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $160,416 (+46.35%) Land $26,003 Building $134,413 | $481,248 (+46.35%) Land $78,009 Building $403,239 | |
| 2024 | $11,716.00 (+33.47%) | ||
| 2023 | $8,778.00 (+4.79%) | $109,611 (+8.73%) Land $21,611 Building $88,000 | $328,833 (+8.73%) Land $64,833 Building $264,000 |
| 2022 | $8,377.00 | $100,813 Land $19,876 Building $80,937 | $302,439 Land $59,628 Building $242,811 |
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.
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 | 2 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 336 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 |
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