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407 1/2 E Locust St, Bloomington, IL 61701 Property Records

McLean County property record for 407 1/2 E Locust St, Bloomington, IL 61701 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 962 sqft · built 1920
Lot Size0.077 acres (3,351 sqft)
Owner2 Individual Names on File
Last Sale$88,000 (Feb 2024)
Tax Bill$1,507 (2024)
Deeds & MortgagesFeb 2024 Sale & Mortgage
Jun 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN21-04-253-006

Property Details

APN / Parcel Number

Primary APN21-04-253-006

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area962 sqft Living Area
Gross Area1,148 sqft
1st Floor Area742 sqft
Basement Area406 sqft
Finished Basement220 sqft
Unfinished Basement186 sqft
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Exterior MaterialAluminum/Vinyl
Roof MaterialAsphalt
Lot Area3,351 sqft (0.077 acres)
Lot Dimensions112 ft deep x 30 ft wide
View / LotLake Front
PorchOpen Frame Porch

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address407 1/2 E LOCUST ST
CityBLOOMINGTON
StateIL
Zip61701-3115
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDURLEY ADD W30 E95 LOT 1 & 4 BLK 16
Legal Range02E
Legal Township23N
Legal Section04
Legal SubdivisionDURLEY ADD
Legal Block16
Legal Lot Number1,4
JurisdictionMCLEAN IL
Township / Civil DivisionBLOOMINGTON CITY
Census Block Group1
Census Block1002
Census Tract1700

Owner

Source: McLean County records · APN 21-04-253-006

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 Record2 Individual Names on File
Mailing Address407 E LOCUST ST, BLOOMINGTON, IL 61701-3115
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Feb 07, 2024Warranty Deed, Transfer · Conventional Mortgage
FIRST STATE MORTGAGE SERVICES LLC
Jun 07, 2018Warranty Deed, Transfer · Conventional Mortgage
WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 07, 2024 · Amount on Record
Deed SaleFeb 07, 2024 · Amount on Record
Prior SaleJun 07, 2018 · Amount on Record
Deed Document Number20241635
Record UpdatedJun 08, 2026

February 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMCLEAN IL
Recording DateFeb 07, 2024
Property Address407 1/2 E LOCUST ST, BLOOMINGTON, IL 61701-3115
Document Number202400001635
Instrument DateFeb 02, 2024
Instrument2024-00001635
Transaction TypeTransfer
Record UpdatedFeb 14, 2024
Title CompanyNOT AVAILABLE, FTC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$88.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address407 18 2 E LOCUST ST, BLOOMINGTON, IL 61701

Mortgage

Document Number202400001636
DateFeb 07, 2024
Instrument2024-00001636
Lender
NameFIRST STATE MORTGAGE SERVICES LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2054
Interest
Rate TypeFixed Rate
Rate6.5%

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMCLEAN IL
Recording DateJun 07, 2018
Property Address407 1/2 E LOCUST ST, BLOOMINGTON, IL 61701-3115
Document Number201800008781
Instrument DateMay 31, 2018
Instrument2018-00008781
Transaction TypeTransfer
Record UpdatedFeb 28, 2022
Title CompanyFRONTIER TITLE COMPANY, FRONTIER TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$88.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address407 1/2 E LOCUST ST, BLOOMINGTON, IL 61701-3115

Mortgage

Document Number201800008782
DateJun 07, 2018
Instrument2018-00008782
Lender
NameWATERSTONE MORTGAGE CORP
TypeLending Institution
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2048
Interest
Rate TypeFixed Rate
Rate5%

Tax Assessment & Valuation

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

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.

YearTax BillAssessed ValueAssessed Market Value
2025$26,451 (+22.28%) Land $6,821 Building $19,630$79,353 (+22.28%) Land $20,463 Building $58,890
2024$1,507.00 (+15.39%)
2023$1,306.00 (+8.47%)$21,632 (+7.26%) Land $5,578 Building $16,054$64,896 (+7.26%) Land $16,734 Building $48,162
2022$1,204.00$20,168 Land $5,201 Building $14,967$60,504 Land $15,603 Building $44,901

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, McLean County (17113C), updated June 27, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 537 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Metronet HoldingsFiber5,120 / 5,120
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20

May also be available at this address: T-Mobile USA, Pavlov Media, Frontier, AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

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