1304 W Elm St, Bloomington, IL 61701 Property Records

McLean County property record for 1304 W Elm St, Bloomington, IL 61701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,094 sqft · built 1989
Lot Size	0.138 acres (6,005 sqft)
Owner	Company Name on File
Tax Bill	$3,630 (2024)
Deeds & Mortgages	May 2023 Line of Credit Mar 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`21-08-208-006`

Property Details

APN / Parcel Number

Primary APN	`21-08-208-006`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,094 sqft Living Area
Gross Area	1,322 sqft
1st Floor Area	1,094 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	6,005 sqft (0.138 acres)
Lot Dimensions	72 ft deep x 84 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	228 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Deck Area	24 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1304 W ELM ST
City	BLOOMINGTON
State	IL
Zip	61701-4806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	CITIZENS ADD W1/2 LOT 205
Legal Range	02E
Legal Township	23N
Legal Section	08
Legal Subdivision	CITIZENS ADD
Legal Lot Number	205
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1007
Census Tract	1404

Owner

1304 W Elm St is owned by a company that acquired it in April 2025.

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

Owner of Record	Company Name on File
Mailing Address	1102 1/2 W MACARTHUR AVE, BLOOMINGTON, IL 61701-4826
Owner Type	Company
Vesting	Limited Liability Partnership

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

Date	Document
May 31, 2023	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK NA
Mar 29, 2023	Deed, Transfer ALLIANCE LAND TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 7, 2025
Transfer Doc	0000004613
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1304 W ELM ST, BLOOMINGTON, IL 61701-4806
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2810 PHILLIP PL, BLOOMINGTON, IL 61704-4638

Mortgage

Document Number	202300006895
Date	May 31, 2023
Instrument	2023-00006895

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank
Address	BLOOMINGTON, IL 61701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2043

Interest

Rate Type	Adjustable Rate
Rate	6.56%
Min Rate At Change	4.5%

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MCLEAN IL
Recording Date	Mar 29, 2023
Property Address	1304 W ELM ST, BLOOMINGTON, IL 61701-4806
Document Number	202300003996
Instrument Date	Mar 22, 2023
Instrument	2023-00003996
Transaction Type	Transfer
Record Updated	Apr 13, 2023
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount on Record
Tax	$35.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1102 1 2 MACARTHUR, BLOOMINGTON, IL 61701

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		$48,734 Land $8,589 Building $40,145	$146,202 Land $25,767 Building $120,435
2024	$3,630.00 (+6.26%)
2023	$3,416.00	$40,882 Land $7,205 Building $33,677	$122,646 Land $21,615 Building $101,031

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

Flood

FEMA maps place 1304 W Elm St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1981.

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 Claims	2 (1981–1986)
Most Recent Claim	Sep 1986 · river or lake flooding

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 1304 W Elm St 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 443 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

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