318 E Locust St, Bloomington, IL 61701 Property Records

McLean County property record for 318 E Locust St, Bloomington, IL 61701 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 4,238 sqft · built 1900
Lot Size	0.179 acres (7,791 sqft)
Owner	Individual Name on File
Last Sale	$218,000 (Feb 2021)
Tax Bill	$6,338 (2024)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-04-209-015`

Property Details

APN / Parcel Number

Primary APN	`21-04-209-015`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	4,238 sqft Living Area
1st Floor Area	1,416 sqft
Attic	Attic
Attic Area	1,406 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	7,791 sqft (0.179 acres)
Lot Dimensions	155 ft deep x 50 ft wide
View / Lot	Lake Front
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Greenhouse	236 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	318 E LOCUST ST
City	BLOOMINGTON
State	IL
Zip	61701-3179
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DURLEY ADD LOT 21 BLK 10
Legal Range	02E
Legal Township	23N
Legal Section	04
Legal Subdivision	DURLEY ADD
Legal Block	10
Legal Lot Number	21
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1038
Census Tract	1302

Owner

Source: McLean County records · APN 21-04-209-015

Assessment roll updated April 8, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	318 E LOCUST ST, BLOOMINGTON, IL 61701-3179
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 23, 2021 · Amount on Record
Deed Sale	Feb 23, 2021 · Amount on Record
Prior Sale	Oct 05, 2009 · Amount on Record
Deed Document Number	20214209
Record Updated	Jun 08, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Feb 23, 2021
Property Address	318 E LOCUST ST, BLOOMINGTON, IL 61701-3179
Document Number	202100004209
Instrument Date	Feb 05, 2021
Instrument	2021-00004209
Transaction Type	Transfer
Record Updated	Aug 05, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$327.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 E LOCUST ST, BLOOMINGTON, IL 61701-3179

Mortgage

Document Number	202100004210
Date	Feb 23, 2021
Instrument	2021-00004210

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

Interest

Rate Type	Fixed Rate
Rate	2.37%

Tax Assessment & Valuation

Source: McLean County records · Assessment roll updated April 8, 2026 · Last verified April 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$91,680 (+12.55%) Land $7,586 Building $84,094	$275,040 (+12.55%) Land $22,758 Building $252,282
2024	$6,338.00 (+0.51%)
2023	$6,306.00 (+11.04%)	$81,460 (+11.86%) Land $6,740 Building $74,720	$244,380 (+11.86%) Land $20,220 Building $224,160
2022	$5,679.00	$72,826 Land $6,026 Building $66,800	$218,478 Land $18,078 Building $200,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, McLean County (17113C), updated June 27, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171130013021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	2 (1980–1982)
Most Recent Claim	Dec 1982, tidal / storm surge

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.