509 Eddy Rd, Bloomington, IL 61704 Property Records

McLean County property record for 509 Eddy Rd, Bloomington, IL 61704

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,394 sqft · built 1993
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$199,000 (Dec 2020)
Tax Bill	$6,165 (2024)
Deeds & Mortgages	Oct 2020 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-12-228-012`

Property Details

APN / Parcel Number

Primary APN	`21-12-228-012`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,394 sqft Living Area
Gross Area	2,832 sqft
1st Floor Area	1,046 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	136 ft deep x 67 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Deck Area	168 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	509 EDDY RD
City	BLOOMINGTON
State	IL
Zip	61704-1287
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 301 OLD FARM LAKES NO10
Legal Range	02E
Legal Township	23N
Legal Section	12
Legal Subdivision	OLD FARM LAKES
Legal Lot Number	301
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	2
Census Block	2019
Census Tract	1107

Owner

509 Eddy Rd is owned and occupied by two individuals who bought it in December 2020.

Source: McLean County records, as of April 8, 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	2 Individual Names on File
Mailing Address	509 EDDY RD, BLOOMINGTON, IL 61704-1287
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2020	Deed of Trust, Mortgage · Commercial Mortgage MARINE BANK SPRINGFIELD
Dec 7, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2020 · Amount on File
Deed Sale	Dec 7, 2020 · Amount on File
Prior Sale	Nov 5, 2009 · Amount on File
Deed Document Number	202026575
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	509 EDDY RD, BLOOMINGTON, IL 61704-1287
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000022703
Date	Oct 24, 2020
Instrument	2020-00022703

Lender

Name	MARINE BANK SPRINGFIELD
Type	Bank
Address	SPRINGFIELD, IL 62704

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Dec 7, 2020
Property Address	509 EDDY RD, BLOOMINGTON, IL 61704-1287
Document Number	202000026575
Map Reference	DOC 93-12104
Instrument Date	Nov 20, 2020
Instrument	2020-00026575
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	NOT AVAILABLE, FTC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$298.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	509 EDDY RD, BLOOMINGTON, IL 61704-1287

Mortgage

Document Number	202000026576
Date	Dec 7, 2020
Instrument	2020-00026576

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

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	Bloomington School District 87 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$88,047 Land $21,081 Building $66,966	$264,141 Land $63,243 Building $200,898
2024	$6,165.00 (+12.05%)
2023	$5,502.00	$71,832 Land $17,199 Building $54,633	$215,496 Land $51,597 Building $163,899

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

FEMA maps place 509 Eddy Rd 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

The area around 509 Eddy Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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 503 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
Watch TV Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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