Monroe County property record for 2520 S Smith Rd, Bloomington, IN 47401
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 2,656 sqft · built 1960 |
| Lot Size | 2.2 acres (95,832 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $246,300 (Jun 2015) |
| Tax Bill | $1,953 (2025) |
| Deeds & Mortgages | Mar 2019 Mortgage Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 014-30670-00 |
| Primary APN | 014-30670-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,656 sqft Living Area |
| 1st Floor Area | 2,656 sqft |
| Basement Area | 528 sqft |
| Finished Basement | 210 sqft |
| Unfinished Basement | 528 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1975 |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 95,832 sqft (2.2 acres) |
| Terrain | Low |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 452 sqft |
| Deck Area | 460 sqft |
| Lean-To | 600 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 014-30670-00 |
|---|---|
| Street Address | 2520 S SMITH RD |
| City | BLOOMINGTON |
| State | IN |
| Zip | 47401-8923 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS35PRO6 |
| Legal Description | 014-30670-00 PT NE SE 11-8-1W 2.20A PLAT 49 |
| Jurisdiction | MONROE IN |
| Township / Civil Division | PERRY |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 1001 |
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 | 2520 S SMITH RD, BLOOMINGTON, IN 47401-8923 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 21, 2019 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Feb 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Dec 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Sep 22, 2021 | Deed of Trust, Mortgage · Line of Credit THE GERMAN AMERICAN BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 18, 2015 · Amount on Record |
| Deed Sale | Jun 18, 2015 · Amount on Record |
| Prior Sale | Feb 21, 2008 · Amount on Record |
| Deed Document Number | 20157955 |
| Prior Transfer Date | Feb 1, 2008 |
| Prior Transfer Doc | 2008002311 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IN |
| Property Address | 2520 S SMITH RD, BLOOMINGTON, IN 47401-8923 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2019003682 |
|---|---|
| Date | Mar 21, 2019 |
| Instrument | 2019003682 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERTON, IN 46304 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IN |
| Property Address | 2520 S SMITH RD, BLOOMINGTON, IN 47401-8923 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2021003763 |
|---|---|
| Date | Feb 26, 2021 |
| Instrument | 2021003763 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IN |
| Property Address | 2520 S SMITH RD, BLOOMINGTON, IN 47401-8923 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2019018335 |
|---|---|
| Date | Dec 17, 2019 |
| Instrument | 2019018335 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IN |
| Property Address | 2520 S SMITH RD, BLOOMINGTON, IN 47401-8923 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2021018296 |
|---|---|
| Date | Sep 22, 2021 |
| Instrument | 2021018296 |
| Name | THE GERMAN AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | BLOOMINGTON, IN 47404 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 20, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Monroe County assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Monroe County |
| County Subdivision | Perry Township |
| Unified School District | Monroe County Community School Corporation (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,953.00 (+3.72%) | $267,100 (+7.96%) Land $56,000 Building $211,100 | $267,100 (+7.96%) Land $56,000 Building $211,100 |
| 2024 | $1,883.00 (+5.55%) | ||
| 2023 | $247,400 (+6.41%) Land $56,000 Building $191,400 | $247,400 (+6.41%) Land $56,000 Building $191,400 | |
| 2022 | $1,784.00 | $232,500 Land $56,000 Building $176,500 | $232,500 Land $56,000 Building $176,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2017 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 73% of Indiana |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 115 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GigabitNow Fiber | 10,000 / 10,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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