2051 E Waters Edge Dr, Bloomington, IN 47401 Property Records

Monroe County property record for 2051 E Waters Edge Dr, Bloomington, IN 47401

Property Summary

Property Type	Condominium
Details	2 bd · 3.5 ba · 1,794 sqft · built 1983
Lot Size	0.016 acres (701 sqft)
Owner	2 Individual Names on Record
Last Sale	$299,900 (May 2022)
Tax Bill	$1,832 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-02990-39`

Property Details

APN / Parcel Number

Primary APN	`004-02990-39`
Alternative APN	`53-00-40-299-039.000-006`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,794 sqft Living Area
1st Floor Area	1,794 sqft
Basement Area	476 sqft
Finished Basement	476 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2010
Architectural Style	Condo/Apartment
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	701 sqft (0.016 acres)
Terrain	Low
Garage Type	Attached
Garage Area	224 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	004-02990-39
Street Address	2051 E WATERS EDGE DR
City	BLOOMINGTON
State	IN
Zip	47401-8495
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PUD
Legal Description	WATERS EDGE PH1 BLDG C UNIT 1
Legal Subdivision	WATER EDGE CONDOMINIUM
Jurisdiction	MONROE IN
Township / Civil Division	CLEAR CREEK
Census Block Group	2
Census Block	2006
Census Tract	1502

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2051 E WATERS EDGE DR, BLOOMINGTON, IN 47401-8495
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
May 19, 2022	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Jan 31, 2018	Warranty Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2022 · Amount on Record
Deed Sale	May 19, 2022 · Amount on Record
Prior Sale	Jan 31, 2018 · Amount on Record
Deed Document Number	202246271
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	2051 E WATERS EDGE DR, BLOOMINGTON, IN 47401-8495
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2051 E WATERS EDGE DR 5, 5, BLOOMINGTON, IN 47401-8495

Mortgage

Document Number	2023000115
Date	Jan 4, 2023
Instrument	2023000115

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 16, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	May 19, 2022
Property Address	2051 E WATERS EDGE DR, BLOOMINGTON, IN 47401-8495
Document Number	2022007678
Map Reference	DOC 151393
Instrument Date	May 9, 2022
Instrument	2022007678
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
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	2051 E WATERS EDGE DR, BLOOMINGTON, IN 47401-8495

Mortgage

Document Number	2022007679
Date	May 19, 2022
Instrument	2022007679

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Jan 31, 2018
Property Address	2051 E WATERS EDGE DR, BLOOMINGTON, IN 47401-8495
Document Number	2018001134
Instrument Date	Jan 26, 2018
Instrument	2018001134
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2051 E WATERS EDGE DR, BLOOMINGTON, IN 47401-8495
Investor	Possibly a Property Investor

Mortgage

Document Number	2018001135
Date	Jan 31, 2018
Instrument	2018001135

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2033

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Monroe County
County Subdivision	Clear Creek Township
Unified School District	Monroe County Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,832.00 (-8.49%)	$262,100 (+3.19%) Land $63,400 Building $198,700	$262,100 (+3.19%) Land $63,400 Building $198,700
2024	$2,002.00 (+40.29%)
2023		$254,000 (+25.56%) Land $61,000 Building $193,000	$254,000 (+25.56%) Land $61,000 Building $193,000
2022	$1,427.00	$202,300 Land $61,000 Building $141,300	$202,300 Land $61,000 Building $141,300

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 68% 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	SOUTHERN MONROE WATER AUTHORITY private · serves 8,877 people · EPA ID IN5253007
Water Source	Purchased surface water from CITY OF BLOOMINGTON UTILITIES
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Smithville Communications Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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