510 W Mill St, Bloomington, IL 61701 Property Records

McLean County property record for 510 W Mill St, Bloomington, IL 61701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,848 sqft · built 1905
Lot Size	0.146 acres (6,339 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Oct 2022)
Tax Bill	$1,956 (2024)
Deeds & Mortgages	Apr 2024 Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-04-366-006`

Property Details

APN / Parcel Number

Primary APN	`21-04-366-006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,848 sqft Living Area
Gross Area	2,008 sqft
1st Floor Area	624 sqft
Basement Area	600 sqft
Finished Basement	600 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Exterior Material	Wood Siding
Foundation Type	Block
Roof Material	Asphalt
Lot Area	6,339 sqft (0.146 acres)
Lot Dimensions	116 ft deep x 50 ft wide
View / Lot	Lake Front
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Frame Porch
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	510 W MILL ST
City	BLOOMINGTON
State	IL
Zip	61701-5146
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	H.H. PAINTERS ADD E50 W99 N1/2 BLK 5
Legal Range	02E
Legal Township	23N
Legal Section	04
Legal Subdivision	PAINTERS ADD
Legal Block	5
Jurisdiction	MCLEAN IL
Township / Civil Division	BLOOMINGTON CITY
Census Block Group	2
Census Block	2054
Census Tract	1600

Owner

510 W Mill St is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	510 W MILL ST, BLOOMINGTON, IL 61701-5146
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

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

Date	Document
Apr 8, 2024	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Oct 14, 2022	Warranty Deed, Transfer · FHA Mortgage INLAND BANK & TRUST
Oct 18, 2021	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2022 · Amount on File
Deed Sale	Oct 14, 2022 · Amount on File
Prior Sale	Jul 22, 2005 · Amount on File
Deed Document Number	202218565
Prior Transfer Date	Sep 30, 2021
Prior Transfer Doc	0000025132
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	510 W MILL ST, BLOOMINGTON, IL 61701-5146
Transaction Type	Mortgage
Record Updated	Apr 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 W MILL ST, BLOOMINGTON, IL 61701-5146

Mortgage

Document Number	202400004154
Date	Apr 8, 2024
Instrument	2024-00004154

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	342 Months
Due	Oct 1, 2052

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Oct 14, 2022
Property Address	510 W MILL ST, BLOOMINGTON, IL 61701-5146
Document Number	202200018565
Instrument Date	Sep 23, 2022
Instrument	2022-00018565
Transaction Type	Transfer
Record Updated	Sep 25, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 W MILL ST, BLOOMINGTON, IL 61701-5146

Mortgage

Document Number	202200018566
Date	Oct 14, 2022
Instrument	2022-00018566

Lender

Name	INLAND BANK & TRUST
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.62%

October 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MCLEAN IL
Recording Date	Oct 18, 2021
Property Address	510 W MILL ST, BLOOMINGTON, IL 61701-5146
Document Number	202100025132
Instrument Date	Sep 30, 2021
Instrument	2021-00025132
Transaction Type	Transfer
Record Updated	Sep 25, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	510 W MILL ST, BLOOMINGTON, IL 61701-5146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 E CLEVELAND ST, CULLOM, IL 60929-9766

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		$40,452 Land $7,554 Building $32,898	$121,356 Land $22,662 Building $98,694
2024	$1,956.00 (+8.85%)
2023	$1,797.00 (+14.75%)	$27,512 (+12.62%) Land $6,022 Building $21,490	$82,536 (+12.62%) Land $18,066 Building $64,470
2022	$1,566.00	$24,428 Land $5,347 Building $19,081	$73,284 Land $16,041 Building $57,243

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.

Flood

FEMA maps place 510 W Mill St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1981.

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 Claims	1 (1981)
Most Recent Claim	Aug 1981 · 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

The area around 510 W Mill St 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 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 387 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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