401 Douglas St, Bloomington, IL 61701 Property Records

McLean County property record for 401 Douglas St, Bloomington, IL 61701

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,170 sqft · built 1915
Lot Size	0.135 acres (5,902 sqft)
Owner	Individual Name on File
Last Sale	$162,000 (Jan 2024)
Tax Bill	$2,840 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Jan 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-04-259-022`

Property Details

APN / Parcel Number

Primary APN	`21-04-259-022`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,170 sqft Living Area
1st Floor Area	1,091 sqft
Interior Walls	Paneling

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	5,902 sqft (0.135 acres)
Lot Dimensions	115 ft deep x 51 ft wide
View / Lot	Lake Front
Porch	Open Frame Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	401 DOUGLAS ST
City	BLOOMINGTON
State	IL
Zip	61701-3174
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KH FELLS 2ND ADD N58 LOT 6 BLK 4 & BLK 21 IN CETNTRAL BLOOMINGTON SUB LOT 1
Legal Range	02E
Legal Township	23N
Legal Section	04
Legal Subdivision	CETNTRAL BLOOMINGTON SUB
Legal Block	4,21
Legal Lot Number	6,1
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1011
Census Tract	1600

Owner

401 Douglas St is owned and occupied by an individual who bought it in January 2024.

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

Owner of Record	Individual Name on File
Mailing Address	401 DOUGLAS ST, BLOOMINGTON, IL 61701-3174
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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 23, 2025	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE INC
Jan 19, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 21, 2017	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2024 · Amount on File
Deed Sale	Jan 19, 2024 · Amount on File
Prior Sale	Dec 21, 2017 · Amount on File
Deed Document Number	2024810
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	401 DOUGLAS ST, BLOOMINGTON, IL 61701-3174
Transaction Type	Mortgage
Record Updated	Nov 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 DOUGLAS ST, BLOOMINGTON, IL 61701-3174

Mortgage

Document Number	202500015127
Date	Oct 23, 2025
Instrument	2025-00015127

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate	6.22%

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jan 19, 2024
Property Address	401 DOUGLAS ST, BLOOMINGTON, IL 61701-3174
Document Number	202400000810
Instrument Date	Jan 12, 2024
Instrument	2024-00000810
Transaction Type	Transfer
Record Updated	Jan 29, 2024
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$162.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 DOUGLAS ST, BLOOMINGTON, IL 61701-3174

Mortgage

Document Number	202400000811
Date	Jan 19, 2024
Instrument	2024-00000811

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Interest

Rate	6.99%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Dec 21, 2017
Property Address	401 DOUGLAS ST, BLOOMINGTON, IL 61701-3174
Document Number	201700022578
Instrument Date	Dec 4, 2017
Instrument	2017-00022578
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$153.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 DOUGLAS ST, BLOOMINGTON, IL 61701-3174

Mortgage

Document Number	201700022579
Date	Dec 21, 2017
Instrument	2017-00022579

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2033

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		$38,159 Land $6,081 Building $32,078	$114,477 Land $18,243 Building $96,234
2024	$2,840.00 (+0.25%)
2023	$2,833.00 (+9.98%)	$33,906 (+11.86%) Land $5,404 Building $28,502	$101,718 (+11.86%) Land $16,212 Building $85,506
2022	$2,576.00	$30,312 Land $4,831 Building $25,481	$90,936 Land $14,493 Building $76,443

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 401 Douglas St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 27, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 401 Douglas 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 537 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: Frontier, Nextlink, Pavlov Media, T-Mobile.

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