401 Vale St, Bloomington, IL 61701 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,352 sqft · built 1925
Lot Size	0.139 acres (6,049 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Jul 2019)
Tax Bill	$7,160 (2024)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-03-459-006`

Property Details

APN / Parcel Number

Primary APN	`21-03-459-006`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,352 sqft Living Area
Gross Area	2,392 sqft
1st Floor Area	984 sqft
Basement Area	384 sqft
Finished Basement	384 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Stucco
Roof Material	Asphalt
Lot Area	6,049 sqft (0.139 acres)
Lot Dimensions	121 ft deep x 50 ft wide
View / Lot	Lake Front
Garage Type	Detached
Garage Area	324 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Concrete/Masonry Porch
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	401 VALE ST
City	BLOOMINGTON
State	IL
Zip	61701-5666
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	JUNE GROVE SUB SE PT LOT 12 SUB S1/2 3-23-2E LOT 1 BLK 1
Legal Range	02E
Legal Township	23N
Legal Section	03
Legal Subdivision	JUNE GROVE SUB
Legal Block	1
Legal Lot Number	12,1
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1015
Census Tract	1800

Owner

Source: McLean County assessment roll, as of April 8, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	401 VALE ST, BLOOMINGTON, IL 61701-5666
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 11, 2019	Warranty Deed, Transfer · FHA Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 11, 2019 · Amount on Record
Deed Sale	Jul 11, 2019 · Amount on Record
Deed Document Number	201910661
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	401 VALE ST, BLOOMINGTON, IL 61701-5666
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100024995
Date	Oct 15, 2021
Instrument	2021-00024995

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jul 11, 2019
Property Address	401 VALE ST, BLOOMINGTON, IL 61701-5666
Document Number	201900010661
Instrument Date	Jul 2, 2019
Instrument	2019-00010661
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	401 VALE ST, BLOOMINGTON, IL 61701-5666
Investor	Possibly a Property Investor

Mortgage

Document Number	201900010663
Date	Jul 11, 2019
Instrument	2019-00010663

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

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		$106,349 (+23.68%) Land $12,092 Building $94,257	$319,047 (+23.68%) Land $36,276 Building $282,771
2024	$7,160.00 (+7.11%)
2023	$6,685.00	$85,985 Land $9,777 Building $76,208	$257,955 Land $29,331 Building $228,624

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

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

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 406 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink, Watch TV.

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