405 W Locust St, Bloomington, IL 61701 Property Records

McLean County property record for 405 W Locust St, Bloomington, IL 61701

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,502 sqft · built 1910
Lot Size	0.168 acres (7,327 sqft)
Owner	2 Company Names on Record
Tax Bill	$1,163 (2024)
Deeds & Mortgages	Dec 2023 Transfer Feb 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-04-113-011`

Property Details

APN / Parcel Number

Primary APN	`21-04-113-011`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,502 sqft Living Area
Gross Area	1,829 sqft
1st Floor Area	1,502 sqft
Basement Area	327 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	7,327 sqft (0.168 acres)
Lot Dimensions	160 ft deep x 50 ft wide
View / Lot	Lake Front
Garage Type	Detached
Garage Area	576 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	405 W LOCUST ST
City	BLOOMINGTON
State	IL
Zip	61701-2904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GAP3
Legal Description	ALLIN GRIDLEY & PRICKETTS ADD E1/2 S28 LOT 6 & E1/2 LOT 7 & 10 BLK 16
Legal Range	02E
Legal Township	23N
Legal Section	04
Legal Subdivision	ALLIN GRIDLEY & PRICKETTS ADD
Legal Block	16
Legal Lot Number	6
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	2
Census Block	2017
Census Tract	1303

Owner

Source: McLean County records, as of April 8, 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 Company Names on Record
Mailing Address	405 W LOCUST ST, BLOOMINGTON, IL 61701-2904
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Feb 7, 2023	Intrafamily Transfer, Transfer ATTORNEY
Mar 21, 2018	Deed of Trust, Mortgage COMMERCE BANK
Mar 26, 2018	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 6, 2023
Transfer Doc	0000016760
Record Updated	Sep 20, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLEAN IL
Recording Date	Dec 7, 2023
Property Address	405 W LOCUST ST, BLOOMINGTON, IL 61701-2904
Document Number	202300016760
Instrument Date	Dec 6, 2023
Instrument	2023-00016760
Transaction Type	Transfer
Record Updated	Dec 15, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	405 W LOCUST ST, BLOOMINGTON, IL 61701-2904

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLEAN IL
Recording Date	Feb 7, 2023
Property Address	405 W LOCUST ST, BLOOMINGTON, IL 61701-2904
Document Number	202300001776
Instrument Date	Feb 2, 2023
Instrument	2023-00001776
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	405 S LOCUST STREET, BLOOMINGTON, IL 61701

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	405 W LOCUST ST, BLOOMINGTON, IL 61701-2904
Transaction Type	Mortgage
Record Updated	Apr 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800004465
Date	Mar 21, 2018
Instrument	2018-00004465

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Amount	Amount Recorded
Term	144 Months
Due	Mar 13, 2030

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	405 W LOCUST ST, BLOOMINGTON, IL 61701-2904
Transaction Type	Mortgage
Record Updated	Apr 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800004566
Date	Mar 26, 2018
Instrument	2018-00004566

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 13, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$39,287 (+28.03%) Land $9,678 Building $29,609	$117,861 (+28.03%) Land $29,034 Building $88,827
2024	$1,163.00 (-29.3%)
2023	$1,645.00 (+34.84%)	$30,686 (+2.62%) Land $7,559 Building $23,127	$92,058 (+2.62%) Land $22,677 Building $69,381
2022	$1,220.00	$29,903 Land $7,366 Building $22,537	$89,709 Land $22,098 Building $67,611

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

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 554 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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