3914 Lay Ln, Bloomington, IL 61705 Property Records

McLean County property record for 3914 Lay Ln, Bloomington, IL 61705

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,978 sqft · built 2007
Lot Size	0.242 acres (10,560 sqft)
Owner	2 Individual Names on File
Tax Bill	$12,349 (2024)
Deeds & Mortgages	Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-29-302-008`

Property Details

APN / Parcel Number

Primary APN	`15-29-302-008`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,978 sqft Living Area
Gross Area	4,938 sqft
1st Floor Area	1,315 sqft
Basement Area	1,300 sqft
Finished Basement	1,300 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
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	960 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Concrete/Masonry Porch
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3914 LAY LN
City	BLOOMINGTON
State	IL
Zip	61705-8832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	EAGLE VIEW SOUTH SUB LT 5
Legal Range	03E
Legal Township	24N
Legal Section	29
Legal Subdivision	EAGLE VIEW SOUTH SUB
Legal Lot Number	5
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1013
Census Tract	5103

Owner

3914 Lay Ln is owned and occupied by two individuals who acquired it in December 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	3914 LAY LN, BLOOMINGTON, IL 61705-8832
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2012
Deed Sale	Dec 7, 2012
Deed Document Number	201230815
Record Updated	Jun 8, 2026

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Aug 8, 2017
Property Address	3914 LAY LN, BLOOMINGTON, IL 61705-8832
Document Number	201700014267
Map Reference	DOC2006-12954
Instrument Date	Jul 31, 2017
Instrument	2017-00014267
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	FRONTIER TITLE COMPANY, FRONTIER TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3914 LAY LN, BLOOMINGTON, IL 61705-8832

Mortgage

Document Number	201700014268
Date	Aug 8, 2017
Instrument	2017-00014268

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

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		$168,742 Land $26,002 Building $142,740	$506,226 Land $78,006 Building $428,220
2024	$12,349.00 (+8.57%)
2023	$11,374.00	$140,254 Land $21,611 Building $118,643	$420,762 Land $64,833 Building $355,929

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3914 Lay Ln in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 3914 Lay Ln is low, with less than a 0.01% annual chance of wildfire.

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.

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 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