1900 E Atwater Ave, Bloomington, IN 47401 Property Records

Monroe County property record for 1900 E Atwater Ave, Bloomington, IN 47401

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,030 sqft · built 1928
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on File
Last Sale	$303,000 (Nov 2007)
Tax Bill	$7,181 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jul 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`015-06950-00`

Property Details

APN / Parcel Number

Primary APN	`015-06950-00`
Alternative APN	`53-08-03-202-021.000-009`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,030 sqft Living Area
1st Floor Area	3,030 sqft
Basement Area	1,200 sqft
Finished Basement	600 sqft
Unfinished Basement	1,200 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1993
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	150 ft deep x 140 ft wide
Garage Type	Attached
Garage Area	960 sqft
Parking Spaces	3 Parking Spaces
Pool Area	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	015-06950-00
Street Address	1900 E ATWATER AVE
City	BLOOMINGTON
State	IN
Zip	47401-3729
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KIRKWOOD HTS N 1/2 LOT 18
Legal Subdivision	KIRKWOOD HEIGHTS
Legal Lot Number	18
Jurisdiction	MONROE IN
Township / Civil Division	PERRY
Census Block Group	3
Census Block	3011
Census Tract	302

Owner

1900 E Atwater Ave is owned and occupied by an individual who bought it in November 2007.

Source: Monroe County records, as of June 22, 2026

Owner of Record	Individual Name on File
Mailing Address	1900 E ATWATER AVE, BLOOMINGTON, IN 47401-3729
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jul 29, 2020	Deed of Trust, Mortgage · Line of Credit THE GERMAN AMERICAN BANK
Jul 29, 2020	Deed of Trust, Mortgage · Line of Credit THE GERMAN AMERICAN BANK
Oct 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage THE GERMAN AMERICAN BANK
Oct 12, 2017	Deed of Trust, Mortgage · Line of Credit GERMAN AMERICAN BANCORP INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2007 · Amount on File
Deed Sale	Nov 15, 2007 · Amount on File
Prior Sale	Sep 15, 2005 · Amount on File
Deed Document Number	200720944
Prior Transfer Date	Nov 9, 2007
Prior Transfer Doc	2007020944
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	1900 E ATWATER AVE, BLOOMINGTON, IN 47401-3729
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020012707
Date	Aug 12, 2020
Instrument	2020012707

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2035

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	1900 E ATWATER AVE, BLOOMINGTON, IN 47401-3729
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020011782
Date	Jul 29, 2020
Instrument	2020011782

Lender

Name	THE GERMAN AMERICAN BANK
Type	Bank
Address	BLOOMINGTON, IN 47404

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	111 Months
Due	Oct 20, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	1900 E ATWATER AVE, BLOOMINGTON, IN 47401-3729
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020011782
Date	Jul 29, 2020
Instrument	2020011782

Lender

Name	THE GERMAN AMERICAN BANK
Type	Bank
Address	BLOOMINGTON, IN 47404

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	111 Months
Due	Oct 20, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	1900 E ATWATER AVE, BLOOMINGTON, IN 47401-3729
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019014556
Date	Oct 4, 2019
Instrument	2019014556

Lender

Name	THE GERMAN AMERICAN BANK
Type	Bank
Address	JASPER, IN 47546

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	1900 E ATWATER AVE, BLOOMINGTON, IN 47401-3729
Transaction Type	Mortgage
Record Updated	Nov 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017014491
Date	Oct 12, 2017
Instrument	2017014491

Lender

Name	GERMAN AMERICAN BANCORP INC
Type	Funding / Finance Company
Address	BLOOMINGTON, IN 47404

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Sep 20, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1900 E Atwater Ave was $7,181, down 5.6% from the year before.

Source: Monroe County assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Indiana
Municipality	Bloomington City
County	Monroe County
County Subdivision	Perry Township
Unified School District	Monroe County Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,181.00 (-5.6%)	$662,900 Land $190,000 Building $472,900	$662,900 Land $190,000 Building $472,900
2024	$7,607.00
2023		$694,400 (+8.81%) Land $190,000 Building $504,400	$694,400 (+8.81%) Land $190,000 Building $504,400
2022	$7,463.00 Homeowner's exemption	$638,200 Land $165,200 Building $473,000	$638,200 Land $165,200 Building $473,000

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

Flood

FEMA maps place 1900 E Atwater Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.

Source: FEMA National Flood Hazard Layer, effective September 17, 2024 · 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	1 in force
Nearby Flood Claims	2 (2014–2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2021 · 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

Wildfire risk around 1900 E Atwater Ave 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 97% of the US · lower than 78% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	CITY OF BLOOMINGTON UTILITIES serves 83,000 people · EPA ID IN5253002
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Aug 2024
Treatment and Procedure	Corrosion control Jan 2018
Monitoring and Reporting	None 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 343 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GigabitNow Fiber	10,000 / 10,000
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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