1990 S Bernard Dr, Bloomington, IN 47403 Property Records

Monroe County property record for 1990 S Bernard Dr, Bloomington, IN 47403

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 946 sqft · built 2024
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$199,900 (Dec 2024)
Tax Bill	$1,673 (2025)
Deeds & Mortgages	Jul 2024 Mortgage Jul 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`015-10185-09`

Property Details

APN / Parcel Number

Primary APN	`015-10185-09`
Alternative APN	`53-08-08-100-115.009-009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	946 sqft Living Area
1st Floor Area	946 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Construction Type	Wood
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	015-10185-09
Street Address	1990 S BERNARD DR
City	BLOOMINGTON
State	IN
Zip	47403-3029
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	015-10185-09 OSAGE PLACE LOT 9
Legal Lot Number	9
Jurisdiction	MONROE IN
Township / Civil Division	PERRY
Census Block Group	3
Census Block	3004
Census Tract	402

Owner

1990 S Bernard Dr is owned and occupied by an individual who bought it in December 2024.

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

Owner of Record	Individual Name on File
Mailing Address	1990 S BERNARD DR, BLOOMINGTON, IN 47403-3029
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
Jul 24, 2024	Deed of Trust, Mortgage CITY OF BLOOMINGTON INDIANA HOUSING AND
Jul 24, 2024	Deed of Trust, Mortgage CITY OF BLOOMINGTON, INDIANA
Jan 8, 2025	Deed of Trust, Mortgage DEPARTMENT OF HOUSING AND NEIGHBORHOOD D
Jan 3, 2025	Warranty Deed, Transfer · Stand-Alone Second Mortgage HABITAT FOR HUMANITY OF MONROE COUN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2024 · Amount on File
Deed Sale	Dec 30, 2024 · Amount on File
Deed Document Number	202452802
Record Updated	Sep 20, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	1990 S BERNARD DR, BLOOMINGTON, IN 47403-3029
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024007693
Date	Jul 24, 2024
Instrument	2024007693

Lender

Name	CITY OF BLOOMINGTON INDIANA HOUSING AND
Type	Non-Lending Institution
Address	PO BOX 100, BLOOMINGTON, IN 47402

Agreement

Amount	Amount on Record

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	1990 S BERNARD DR, BLOOMINGTON, IN 47403-3029
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 E KIRKWOOD AVE, BLOOMINGTON, IN 47408-3532

Mortgage

Document Number	2024007692
Date	Jul 24, 2024
Instrument	2024007692

Lender

Name	CITY OF BLOOMINGTON, INDIANA
Type	Private Party
Address	401 N MORTON ST, BLOOMINGTON, IN 47404

Agreement

Amount	Amount on Record

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	1990 S BERNARD DR, BLOOMINGTON, IN 47403-3029
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025000274
Date	Jan 8, 2025
Instrument	2025000274

Lender

Name	DEPARTMENT OF HOUSING AND NEIGHBORHOOD D
Type	Non-Lending Institution

Agreement

Amount	Amount on Record

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Jan 3, 2025
Property Address	1990 S BERNARD DR, BLOOMINGTON, IN 47403-3029
Document Number	2025000092
Map Reference	DOC 2022007569
Instrument Date	Dec 20, 2024
Instrument	2025000092
Transaction Type	Transfer
Record Updated	Feb 20, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025000093
Date	Jan 3, 2025
Instrument	2025000093

Lender

Name	HABITAT FOR HUMANITY OF MONROE COUN
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

Mortgage

Document Number	2025000094
Date	Jan 3, 2025
Instrument	2025000094

Lender

Name	HABITAT FOR HUMANITY OF MONROE COUNTY
Type	Non-Lending Institution
Address	213 E KIRKWOOD AVE, BLOOMINGTON, IN 47408

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 1990 S Bernard Dr was $1,673.

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	$1,673.00	$198,600 Land $55,000 Building $143,600	$198,600 Land $55,000 Building $143,600

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

Flood

FEMA maps place 1990 S Bernard Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 17, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 1990 S Bernard Dr 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 94% of the US · lower than 63% 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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on S Bernard Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures