401 W Mill St, Bloomington, IL 61701 Property Records

McLean County property record for 401 W Mill St, Bloomington, IL 61701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 522 sqft · built 1905
Lot Size	0.136 acres (5,917 sqft)
Owner	Individual Name on Record
Last Sale	$85,000 (Feb 2023)
Tax Bill	$1,480 (2024)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`21-04-364-005`

Property Details

APN / Parcel Number

Primary APN	`21-04-364-005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	522 sqft Living Area
Gross Area	1,116 sqft
1st Floor Area	522 sqft
Basement Area	522 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	5,917 sqft (0.136 acres)
Lot Dimensions	104 ft deep x 58 ft wide
View / Lot	Lake Front
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Frame Porch
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	401 W MILL ST
City	BLOOMINGTON
State	IL
Zip	61701-5124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B2
Legal Description	YOUNGS ADD PT LOTS 6,7&8 BLK 4- BEG SE COR LOT 8, N57.75, W56.5, S2.75, W47.5, S55, E104 TO POB
Legal Range	02E
Legal Township	23N
Legal Section	04
Legal Subdivision	YOUNGS ADD
Legal Block	4
Legal Lot Number	6,7,8
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	2
Census Block	2048
Census Tract	1600

Owner

Source: McLean County records, as of August 24, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	401 W MILL ST, BLOOMINGTON, IL 61701-5124
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2023	Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC
Feb 24, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Apr 10, 2019	Warranty Deed, Transfer · FHA Mortgage MORTGAGE SERVICES III LLC
Apr 10, 2019	Warranty Deed, Transfer FRONTIER TITLE COMPANY, FRONTIER TITLE CO
May 15, 2018	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2023 · Amount on Record
Deed Sale	Feb 15, 2023 · Amount on Record
Prior Sale	Apr 10, 2019 · Amount on Record
Deed Document Number	20232114
Prior Transfer Date	Feb 8, 2023
Prior Transfer Doc	202300002114
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Feb 15, 2023
Property Address	401 W MILL ST, BLOOMINGTON, IL 61701-5124
Document Number	202300002114
Instrument Date	Feb 8, 2023
Instrument	2023-00002114
Transaction Type	Transfer
Record Updated	Feb 22, 2023
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$85.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 W MILL ST, BLOOMINGTON, IL 61701-5124

Mortgage

Document Number	202300002115
Date	Feb 15, 2023
Instrument	2023-00002115

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Fixed Rate
Rate	5.62%

Mortgage

Document Number	202300002116
Date	Feb 15, 2023
Instrument	2023-00002116

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2033

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	401 W MILL ST, BLOOMINGTON, IL 61701-5124
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100004382
Date	Feb 24, 2021
Instrument	2021-00004382

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Sep 1, 2050

Interest

Rate	3.75%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Apr 10, 2019
Property Address	401 W MILL ST, BLOOMINGTON, IL 61701-5124
Document Number	201900005119
Instrument Date	Apr 5, 2019
Instrument	2019-00005119
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	FRONTIER TITLE COMPANY, FRONTIER TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$81.00
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 W MILL ST, BLOOMINGTON, IL 61701-5124

Mortgage

Document Number	201900005121
Date	Apr 10, 2019
Instrument	2019-00005121

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	5%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Apr 10, 2019
Property Address	401 W MILL ST, BLOOMINGTON, IL 61701-5124
Document Number	201900005120
Instrument Date	Apr 4, 2019
Instrument	2019-00005120
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	FRONTIER TITLE COMPANY, FRONTIER TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 W MILL ST, BLOOMINGTON, IL 61701-5124

May 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLEAN IL
Recording Date	May 15, 2018
Property Address	401 W MILL ST, BLOOMINGTON, IL 61701-5124
Document Number	201800007507
Instrument Date	May 8, 2018
Instrument	2018-00007507
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 YODER LN, DANVERS, IL 61732-9082

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		$26,868 (+21.32%) Land $7,301 Building $19,567	$80,604 (+21.32%) Land $21,903 Building $58,701
2024	$1,480.00 (+9.71%)
2023	$1,349.00	$22,146 Land $6,018 Building $16,128	$66,438 Land $18,054 Building $48,384

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 · 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 (1981)
Most Recent Claim	Aug 1981 · 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

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 387 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

May also be available: Frontier, Pavlov Media, Watch TV.

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