406 W Main St, Downs, IL 61736 Property Records

McLean County property record for 406 W Main St, Downs, IL 61736 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	1.5 Baths
Year Built	Built 1899
Square Footage	847 sqft Living Area
Lot Size	32,670 sqft (0.75 acres)
Garage	Detached, 576 sqft
Occupancy	Owner Occupied
Last Sale	$171,000 (2023)
Tax Bill	$3,946.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`29-04-176-003`

Interior

Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Building Area	847 sqft Living Area
1st Floor	991 sqft 1st Floor
2nd Floor	991 sqft 2nd Floor
Stories	2 Stories

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1899
Exterior Material	Wood Siding Exterior
Construction Type	Frame Construction
Lot Area	32,670 sqft (0.75 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage
Garage Area	576 sqft Garage

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating

Location & Zoning

Street Address	406 W MAIN ST
City	DOWNS
State	IL
Zip	61736-9490
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	OUTLOTS TO VILLAGE OF DOWNS LOT 10
Legal Range	03E
Legal Township	22N
Legal Section	04
Legal Subdivision	VILLAGE OF DOWNS
Legal Lot Number	10
Jurisdiction	MCLEAN IL
Minor Civil Division	DOWNS
Census Blockgroup	3
Census Block	3043
Census Tract	5401

Owner

Source: McLean County records · APN 29-04-176-003

Assessment roll updated April 8, 2026 · Last verified April 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	406 W MAIN ST, DOWNS, IL 61736-9490
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 28, 2023 · Amount on Record
Deed Sale	Sep 28, 2023 · Amount on Record
Deed Doc Number	202313276
Record Refreshed	Jun 08, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Sep 28, 2023
Property Address	406 W MAIN ST, DOWNS, IL 61736-9490
Document Number	202300013276
Instrument Date	Sep 22, 2023
Instrument	2023-00013276
Transaction Type	Transfer
Record Updated	Oct 11, 2023
Title Company	MCLEAN COUNTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$171.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	406 W MAIN ST, DOWNS, IL 61736-9490

Mortgage

Document Number	202300013277
Date	Sep 28, 2023
Instrument	2023-00013277

Lender

Name	MORTON COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change Date	Oct 01, 2028
Change Frequency	Annually
Min Rate At Change	6.62%
Max Rate At Change	8.62%
Index	COF
Max Rate	11.6%

Tax Assessment & Valuation

Source: McLean County records · Assessment roll updated April 8, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McLean County
County Subdivision	Downs Township
Municipality	Downs Village
Unified School District	Tri-Valley Community Unit School District 3 (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$54,158 (+20.26%) Land $10,018 Building $44,140	$162,474 (+20.26%) Land $30,054 Building $132,420
2024	$3,946.00 (+31.49%)
2023	$3,001.00 (+57.7%)	$45,033 (+9.47%) Land $8,330 Building $36,703	$135,099 (+9.47%) Land $24,990 Building $110,109
2022	$1,903.00	$41,137 Land $7,609 Building $33,528	$123,411 Land $22,827 Building $100,584

Flood & Wildfire

406 W Main St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · McLean County (17113C), updated June 27, 2019

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

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