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405 S Prospect Rd, Bloomington, IL 61704 Property Records

McLean County property record for 405 S Prospect Rd, Bloomington, IL 61704

Property Summary

Property TypeCommercial
Details4,098 sqft · built 1992
Lot Size0.22 acres (9,591 sqft)
OwnerCompany Name on File
Tax Bill$8,169 (2024)
Deeds & MortgagesOct 2019 Sale & Line of Credit
Apr 2018 Transfer
Flood ZoneZone X (minimal risk)
APN21-02-451-058

Property Details

APN / Parcel Number

Primary APN21-02-451-058
Alternative APN
  • 2102451049

Interior

Plumbing Fixtures4 Plumbing Fixtures
Units2 Units
Stories1 Story
Building Area4,098 sqft Gross Area
1st Floor Area2,302 sqft
Basement Area1,796 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Exterior MaterialBrick Veneer
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area9,591 sqft (0.22 acres)
Lot Dimensions144 ft deep x 70 ft wide
View / LotLake Front
Garage TypeBasement

Utilities, Heating & Cooling

Cooling SystemEvaporative
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Old Parcel Number2102451049
Street Address405 S PROSPECT RD
CityBLOOMINGTON
StateIL
Zip61704-4900
Property CategoryCommercial
Property TypeCommercial > Retail
Legal DescriptionFIRST SUB OAKLAND SUBURBAN HEIGHTS - PT LOT 22 BLK 2 & PT SE 2-23-2E - BEG NE COR LOT 2 STERN SUB, WLY 144.37, NLY62.62, ELY 144.14, SLY70.46 TO POB .22 ACRES
Legal SubdivisionOAKLAND SUBURBAN HEIGHTS
Legal Block2
Legal Lot Number22,2
JurisdictionMCLEAN IL
Township / Civil DivisionBLOOMINGTON CITY
Census Block Group1
Census Block1024
Census Tract1103

Owner

405 S Prospect Rd, a commercial property, is owned by a company.

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

Owner of RecordCompany Name on File
Mailing Address2203 RIVERWOODS LN, BLOOMINGTON, IL 61705-8759
Owner TypeCompany
VestingCompany

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

DateDocument
Oct 17, 2019Warranty Deed, Transfer · Line of Credit
FIRST STATE BANK
Apr 23, 2018Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed NamesName on Deed
Record UpdatedJun 8, 2026

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMCLEAN IL
Recording DateOct 17, 2019
Property Address405 S PROSPECT RD, BLOOMINGTON, IL 61704-4900
Document Number201900017036
Instrument DateOct 4, 2019
Instrument2019-00017036
Transaction TypeTransfer
Record UpdatedSep 25, 2023
Title CompanyFRONTIER TITLE COMPANY, FRONTIER TITLE CO

Transaction

AmountAmount on Record
Tax$541.50
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2203 RIVERWOODS LN, BLOOMINGTON, IL 61705-8759

Mortgage

Document Number201900017037
DateOct 17, 2019
Instrument2019-00017037
Lender
NameFIRST STATE BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount on Record
Term60 Months
DueOct 4, 2024

April 2018: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMCLEAN IL
Recording DateApr 23, 2018
Property Address405 S PROSPECT RD, BLOOMINGTON, IL 61704-4900
Document Number201800006054
Instrument DateApr 16, 2018
Instrument2018-00006054
Transaction TypeTransfer
Record UpdatedSep 25, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address9 OXFORD CT, BLOOMINGTON, IL 61704-6240

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
MunicipalityBloomington City
CountyMcLean County
County SubdivisionBloomington City Township
Unified School DistrictBloomington School District 87 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$109,738 Land $40,521 Building $69,217$329,214 Land $121,563 Building $207,651
2024$8,169.00 (-1.76%)
2023$8,315.00 (+0.91%)$99,496 (+2.62%) Land $36,739 Building $62,757$298,488 (+2.62%) Land $110,217 Building $188,271
2022$8,240.00$96,956 Land $35,801 Building $61,155$290,868 Land $107,403 Building $183,465

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 405 S Prospect Rd in Zone X, an area of minimal flood risk.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

The area around 405 S Prospect Rd 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 RiskNot 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 SystemBLOOMINGTON
serves 79,000 people · EPA ID IL1130200
Water SourceSurface water
Last State InspectionAug 2023
Lead3 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 215 locations within half a mile, as of December 31, 2025

ProviderMax 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
AT&T
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20
Watch TV
Fixed Wireless		100 / 20

May also be available: Pavlov Media.

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