2011 S Bernard Dr, Bloomington, IN 47403 Property Records

Monroe County property record for 2011 S Bernard Dr, Bloomington, IN 47403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,456 sqft · built 2023
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Tax Bill	$2,302 (2025)
Deeds & Mortgages	Apr 2023 Construction Loan Apr 2023 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`015-10185-28`

Property Details

APN / Parcel Number

Primary APN	`015-10185-28`
Alternative APN	`53-08-08-100-115.028-009`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft
Attic	Attic
Attic Area	360 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Construction Type	Wood
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	015-10185-28
Street Address	2011 S BERNARD DR
City	BLOOMINGTON
State	IN
Zip	47403-2935
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	015-10185-28 OSAGE PLACE LOT 28
Legal Lot Number	28
Jurisdiction	MONROE IN
Township / Civil Division	PERRY
Census Block Group	3
Census Block	3004
Census Tract	402

Owner

2011 S Bernard Dr is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	2011 S BERNARD DR, BLOOMINGTON, IN 47403-2935
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
Apr 27, 2023	Deed of Trust, Mortgage · Construction Mortgage CITY OF BLOOMINGTON
Apr 27, 2023	Deed of Trust, Mortgage · Construction Mortgage HOUSING AND NEIGHBORHOOD DEVELOPMENT
Jul 3, 2023	Warranty Deed, Transfer · Stand-Alone Second Mortgage HABITAT FOR HUMANITY OF MONROE COUN

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	2011 S BERNARD DR, BLOOMINGTON, IN 47403-2935
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	2023004314
Date	Apr 27, 2023
Instrument	2023004314

Lender

Name	CITY OF BLOOMINGTON
Type	Non-Lending Institution
Address	BLOOMINGTON, IN 47402

Agreement

Type	Construction Mortgage
Amount	Amount on Record

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	2011 S BERNARD DR, BLOOMINGTON, IN 47403-2935
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023004312
Date	Apr 27, 2023
Instrument	2023004312

Lender

Name	HOUSING AND NEIGHBORHOOD DEVELOPMENT
Type	Government Agency

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	74 Months
Due	Jun 2, 2029

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Jul 3, 2023
Property Address	2011 S BERNARD DR, BLOOMINGTON, IN 47403-2935
Document Number	2023007273
Map Reference	DOC 2022007569
Instrument Date	Jun 30, 2023
Instrument	2023007273
Transaction Type	Transfer
Record Updated	Dec 26, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2011 S BERNARD DR, BLOOMINGTON, IN 47403-2935

Mortgage

Document Number	2023007274
Date	Jul 3, 2023
Instrument	2023007274

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	Jul 1, 2053

Mortgage

Document Number	2023007275
Date	Jul 3, 2023
Instrument	2023007275

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 2011 S Bernard Dr was $2,302, down 4.6% 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	$2,302.00 (-4.64%)	$255,200 Land $55,000 Building $200,200	$255,200 Land $55,000 Building $200,200
2024	$2,414.00
2023		$55,000 Land $55,000	$55,000 Land $55,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2011 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 2011 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.

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