1406 S Center St, Bloomington, IL 61701 Property Records

McLean County property record for 1406 S Center St, Bloomington, IL 61701

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,374 sqft · built 1925
Lot Size	0.129 acres (5,633 sqft)
Owner	Individual Name on File
Last Sale	$95,000 (Oct 2020)
Tax Bill	$1,964 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-09-329-003`

Property Details

APN / Parcel Number

Primary APN	`21-09-329-003`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,374 sqft Living Area
Gross Area	1,554 sqft
1st Floor Area	942 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	5,633 sqft (0.129 acres)
Lot Dimensions	99 ft deep x 57 ft wide
View / Lot	Lake Front
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Frame Porch
Deck Area	224 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1406 S CENTER ST
City	BLOOMINGTON
State	IL
Zip	61701-6617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	DAVIS SUB PT LOT 1 SUBN SW 9-23-2E LOT 6
Legal Range	02E
Legal Township	23N
Legal Section	09
Legal Subdivision	DAVIS SUB
Legal Lot Number	1,6
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1009
Census Tract	5900

Owner

1406 S Center St is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1406 S CENTER ST, BLOOMINGTON, IL 61701-6617
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2025	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Oct 16, 2020	Warranty Deed, Transfer · FHA Mortgage FIRST STATE MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2020 · Amount on File
Deed Sale	Oct 16, 2020 · Amount on File
Prior Sale	Dec 27, 2005
Deed Document Number	202021850
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	1406 S CENTER ST, BLOOMINGTON, IL 61701-6617
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1406 S CENTER ST, BLOOMINGTON, IL 61701-6617

Mortgage

Document Number	202500014577
Date	Oct 13, 2025
Instrument	2025-00014577

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Oct 16, 2020
Property Address	1406 S CENTER ST, BLOOMINGTON, IL 61701-6617
Document Number	202000021850
Instrument Date	Oct 5, 2020
Instrument	2020-00021850
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	FTC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$142.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1406 S CENTER ST, BLOOMINGTON, IL 61701-6617

Mortgage

Document Number	202000021851
Date	Oct 16, 2020
Instrument	2020-00021851

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

Mortgage

Document Number	202000021852
Date	Oct 16, 2020
Instrument	2020-00021852

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

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		$41,433 Land $8,751 Building $32,682	$124,299 Land $26,253 Building $98,046
2024	$1,964.00 (-19.61%)
2023	$2,443.00	$35,231 Land $7,442 Building $27,789	$105,693 Land $22,326 Building $83,367

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 1406 S Center St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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	1 (1982)
Most Recent Claim	Dec 1982 · 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

The area around 1406 S Center 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 489 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Watch TV.

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