403 W Emerson St, Bloomington, IL 61701 Property Records

McLean County property record for 403 W Emerson St, Bloomington, IL 61701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,939 sqft · built 1910
Lot Size	0.165 acres (7,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (Jun 2023)
Tax Bill	$3,053 (2024)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-33-307-010`

Property Details

APN / Parcel Number

Primary APN	`14-33-307-010`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,939 sqft Living Area
1st Floor Area	1,212 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Wood Siding
Roof Material	Asphalt
Lot Area	7,204 sqft (0.165 acres)
Lot Dimensions	142 ft deep x 50 ft wide
View / Lot	Lake Front
Garage Type	Detached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	403 W EMERSON ST
City	BLOOMINGTON
State	IL
Zip	61701-1613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1C
Legal Description	WALNUT HILL ADD LOT 9 BLK 5
Legal Range	02E
Legal Township	24N
Legal Section	33
Legal Subdivision	WALNUT HILL
Legal Block	5
Legal Lot Number	9
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	1
Census Block	1007
Census Tract	1303

Owner

Source: McLean County records, as of August 14, 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	2 Individual Names on Record
Mailing Address	403 W EMERSON ST, BLOOMINGTON, IL 61701-1613
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2023 · Amount on Record
Deed Sale	Jun 27, 2023 · Amount on Record
Prior Sale	May 12, 2014 · Amount on Record
Deed Document Number	20238199
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jun 27, 2023
Property Address	403 W EMERSON ST, BLOOMINGTON, IL 61701-1613
Document Number	202300008199
Instrument Date	Jun 20, 2023
Instrument	2023-00008199
Transaction Type	Transfer
Record Updated	Jul 12, 2023
Title Company	MCLEAN COUNTY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	403 W EMERSON ST, BLOOMINGTON, IL 61701-1613
Investor	Possibly a Property Investor

Mortgage

Document Number	202300008200
Date	Jun 27, 2023
Instrument	2023-00008200

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.25%

Mortgage

Document Number	202300008201
Date	Jun 27, 2023
Instrument	2023-00008201

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	BLOOMINGTON, IL 61704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 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		$47,358 (+28.03%) Land $9,496 Building $37,862	$142,074 (+28.03%) Land $28,488 Building $113,586
2024	$3,053.00 (-1.23%)
2023	$3,091.00 (+0.91%)	$36,990 (+2.62%) Land $7,417 Building $29,573	$110,970 (+2.62%) Land $22,251 Building $88,719
2022	$3,063.00	$36,046 Land $7,228 Building $28,818	$108,138 Land $21,684 Building $86,454

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 480 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: Pavlov Media.

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