407 Spring Ridge Dr, Bloomington, IL 61704 Property Records

McLean County property record for 407 Spring Ridge Dr, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,784 sqft · built 2002
Lot Size	0.089 acres (3,859 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Jul 2022)
Tax Bill	$7,182 (2024)
Deeds & Mortgages	Oct 2022 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-25-352-009`

Property Details

APN / Parcel Number

Primary APN	`14-25-352-009`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,784 sqft Living Area
Gross Area	2,384 sqft
1st Floor Area	1,784 sqft
Basement Area	200 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	3,859 sqft (0.089 acres)
Lot Dimensions	74 ft deep x 50 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	407 SPRING RIDGE DR
City	BLOOMINGTON
State	IL
Zip	61704-9179
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 39 VILLAS AT SPRING RIDGE PHASE 1 3RD ADD
Legal Range	02E
Legal Township	24N
Legal Section	25
Legal Subdivision	VILLAS AT SPRING RIDGE PHASE 1 3RD ADD
Legal Lot Number	39
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1051
Census Tract	504

Owner

Source: McLean County records, as of June 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	407 SPRING RIDGE DR, BLOOMINGTON, IL 61704-9179
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2022	Deed of Trust, Mortgage · Loan Assumption FIRST STATE BANK
Jul 29, 2022	Warranty Deed, Transfer · Commercial Mortgage FIRST STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2022 · Amount on Record
Deed Sale	Jul 29, 2022 · Amount on Record
Prior Sale	Apr 13, 2011 · Amount on Record
Deed Document Number	202213461
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	407 SPRING RIDGE DR, BLOOMINGTON, IL 61704-9179
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	ALLIANCE LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200018795
Date	Oct 18, 2022
Instrument	2022-00018795

Lender

Name	FIRST STATE BANK
Type	Bank
Address	MONTICELLO, IL 61856

Agreement

Type	Loan Assumption
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	10.8%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jul 29, 2022
Property Address	407 SPRING RIDGE DR, BLOOMINGTON, IL 61704-9179
Document Number	202200013461
Map Reference	DOC 2001-10589
Instrument Date	Jul 14, 2022
Instrument	2022-00013461
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 SPRING RIDGE DR, BLOOMINGTON, IL 61704-9179

Mortgage

Document Number	202200013462
Date	Jul 29, 2022
Instrument	2022-00013462

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	7 Months
Due	Feb 7, 2023

Interest

Rate	5.25%

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		$105,270 (+9.83%) Land $20,723 Building $84,547	$315,810 (+9.83%) Land $62,169 Building $253,641
2024	$7,182.00 (-0.1%)
2023	$7,189.00 (+8.25%)	$95,852 (+11.24%) Land $18,869 Building $76,983	$287,556 (+11.24%) Land $56,607 Building $230,949
2022	$6,641.00	$86,167 Land $16,962 Building $69,205	$258,501 Land $50,886 Building $207,615

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1979–1997)
Most Recent Claim	Jun 1997 · 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 166 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
Watch TV Fixed Wireless	100 / 20

May also be available: Pavlov Media, Verizon.

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