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4 Moonstone Ct, Bloomington, IL, 61704

3beds
2baths
1,572sqft
$230,000
$146price/sqft
$1,818/moest. monthly cost
$72,720/yrincome needed

About This Home

Well-cared-for home located on a cul-de-sac in East Bloomington's Lakewood Estates subdivision! This charming home offers 3 bedrooms, 2 full bathrooms, and a 2-car garage. The main level features beautiful hardwood flooring in the family room, which connects to the eat-in kitchen area featuring granite countertops. The kitchen comes fully equipped with stainless steel appliances that will remain with the home, along with the washer and dryer. Also on the main level are all three bedrooms, including one with shared access to the full bathroom. The lower level offers a spacious family room with a fireplace, a full bathroom, and utility area. Step outside to the deck overlooking the fully fenced backyard, perfect for entertaining, pets, or relaxing outdoors. Conveniently located close to parks, schools, shopping, and restaurants!

Getting Around

42
WalkingCar-Dependent
33
TransitSome Transit
56
BikeBikeable

Schools

6/10
5/10
3/10
Bloomington High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 1988

Materials

  • Construction materials: Vinyl Siding,Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bi-Level
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Electric Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom2

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 143
  • Dimensions: 13X11

Bedroom3

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 90
  • Dimensions: 10X9

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Family Room

  • Features: Flooring (Carpet)
  • Level: Lower
  • Area: 350
  • Dimensions: 25X14

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Family Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,572
  • Total interior livable area: 1,572 sqft

Kitchen

  • Features: Flooring (Ceramic Tile)
  • Level: Main
  • Area: 176
  • Dimensions: 11X16

Laundry

  • Level: Lower
  • Area: 21
  • Dimensions: 3X7

Living Room

  • Features: Flooring (Hardwood)
  • Level: Main
  • Area: 192
  • Dimensions: 16X12

Master Bedroom

  • Features: Flooring (Carpet)
  • Level: Main
  • Area: 165
  • Dimensions: 15X11

Property

Accessibility

  • Accessibility features: No Disability Access

Details

  • Parcel number: 1435281004
  • Special condition: None

Features

  • Levels: Bi-Level
  • Fencing: Fenced

Lot

  • Lot size: 5,500 sqft
  • Features: Cul-De-Sac
  • Lot size dimensions: 50x110

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Yes,Garage Owned,Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Winter Weather

FEMA Declared Disasters Across Illinois Counties

Flood
Other
Severe Storm
Straight Line Winds
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,163$13,956
Home Insurance *$121$1,452
Property Taxes $404$4,848
Electricity $130$1,569
Total$1,818$21,816
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$62,331/yr
40% on housing$54,540/yr
45% on housing$48,480/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.5%
14.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -2.5%
-2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$146This listing

vs Other Active Listings

Avg $/sqft

ZIP 61704$119
McLean County$118

vs Homes Sold Last Month

Median $/sqft

ZIP 61704$109
McLean County$115

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-08Listed for sale$230,000
2024-08-30Listing removed$2,150
2024-07-09Price change$2,150
2024-06-27Listed for rent$2,250
2023-07-20Listing removed--
2023-06-10Listed for rent$1,750
1994-08-01Sold$85,000

For Sale by Agent

AgentLeah Bond
BrokerageColdwell Banker Real Estate Group

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