McLean County property record for 3915 Lay Ln, Bloomington, IL 61705
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,698 sqft · built 2007 |
| Lot Size | 0.242 acres (10,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $287,000 (Apr 2014) |
| Tax Bill | $9,946 (2024) |
| Deeds & Mortgages | Dec 2023 Line of Credit Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-29-303-008 |
| Primary APN | 15-29-303-008 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,698 sqft Living Area |
| Gross Area | 3,426 sqft |
| 1st Floor Area | 1,503 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 728 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 | 3915 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 62 |
| Legal Range | 03E |
| Legal Township | 24N |
| Legal Section | 29 |
| Legal Subdivision | EAGLE VIEW SOUTH SUB |
| Legal Lot Number | 62 |
| Jurisdiction | MCLEAN IL |
| Township / Civil Division | BLOOMINGTON CITY |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 5103 |
3915 Lay Ln is owned and occupied by an individual who bought it in April 2014.
Source: McLean County records, as of April 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3915 LAY LN, BLOOMINGTON, IL 61705-8828 |
| 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.
| Date | Document |
|---|---|
| Dec 5, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK BLOOMINGTON |
| Mar 31, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 14, 2014 · Amount on File |
| Deed Sale | Apr 14, 2014 · Amount on File |
| Prior Sale | Feb 13, 2008 · Amount on File |
| Deed Document Number | 20145606 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 3915 LAY LN, BLOOMINGTON, IL 61705-8828 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 202300016574 |
|---|---|
| Date | Dec 5, 2023 |
| Instrument | 2023-00016574 |
| Name | FIRST STATE BANK BLOOMINGTON |
|---|---|
| Type | Bank |
| Address | BLOOMINGTON, IL 61704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 59 Months |
| Due | Nov 28, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 9.5% |
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 3915 LAY LN, BLOOMINGTON, IL 61705-8828 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2021 |
| Title Company | ILLINOIS TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 202100007580 |
|---|---|
| Date | Mar 31, 2021 |
| Instrument | 2021-00007580 |
| Name | FIRST STATE MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | BLOOMINGTON, IL 61704 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
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 | $137,149 Land $26,002 Building $111,147 | $411,447 Land $78,006 Building $333,441 | |
| 2024 | $9,946.00 (+13.11%) | ||
| 2023 | $8,793.00 | $113,995 Land $21,611 Building $92,384 | $341,985 Land $64,833 Building $277,152 |
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.
FEMA maps place 3915 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 risk around 3915 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.
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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