McLean County property record for 408 E Locust St, Hudson, IL 61748
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,532 sqft · built 1986 |
| Lot Size | 0.33 acres (14,374 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,781 (2024) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-21-426-021 |
| Primary APN | 07-21-426-021 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,532 sqft Living Area |
| 1st Floor Area | 1,532 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 14,374 sqft (0.33 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 408 E LOCUST ST |
|---|---|
| City | HUDSON |
| State | IL |
| Zip | 61748-9166 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HAVENS GROVE SUB LOT 4 |
| Legal Range | 02E |
| Legal Township | 25N |
| Legal Section | 21 |
| Legal Subdivision | HAVENS GROVE SUB |
| Legal Lot Number | 4 |
| Jurisdiction | MCLEAN IL |
| Township / Civil Division | HUDSON |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 5102 |
408 E Locust St is owned and occupied by two individuals.
Source: McLean County records, as of April 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 408 E LOCUST ST, HUDSON, IL 61748-9166 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCLEAN IL |
| Property Address | 408 E LOCUST ST, HUDSON, IL 61748-9166 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FTC |
| Name | Verified Name |
|---|
| Document Number | 202000027488 |
|---|---|
| Date | Dec 16, 2020 |
| Instrument | 2020-00027488 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2036 |
Source: McLean County assessment roll, as of April 8, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | McLean County |
| County Subdivision | Hudson Township |
| Municipality | Hudson Village |
| Unified School District | McLean County Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $89,422 Land $13,320 Building $76,102 | $268,266 Land $39,960 Building $228,306 | |
| 2024 | $5,781.00 (+9.32%) | ||
| 2023 | $5,288.00 | $74,557 Land $11,106 Building $63,451 | $223,671 Land $33,318 Building $190,353 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 408 E Locust St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective June 27, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 11 (1979–1986) |
| Claims Outside the SFHA | 8 of 11 |
| Most Recent Claim | Sep 1986 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 408 E Locust St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HUDSON serves 1,847 people · EPA ID IL1130700 |
|---|---|
| Water Source | Purchased surface water from BLOOMINGTON |
| Last State Inspection | Aug 2025 |
| Lead | 8 ppb (2025) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 259 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conxxus Fiber | 8,000 / 8,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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