Monroe County property record for 3406 E Winston St, Bloomington, IN 47401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,434 sqft · built 1986 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $320,000 (Jul 2019) |
| Tax Bill | $4,508 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Aug 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-01870-81 |
| Primary APN | 015-01870-81 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,434 sqft Living Area |
| 1st Floor Area | 2,434 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 20,473 sqft (0.47 acres) |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 015-01870-81 |
|---|---|
| Street Address | 3406 E WINSTON ST |
| City | BLOOMINGTON |
| State | IN |
| Zip | 47401-4458 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HYDE PARK SEC 4 LOT 81 |
| Legal Subdivision | HYDE PARK SUBDIVISION |
| Legal Lot Number | 81 |
| Jurisdiction | MONROE IN |
| Township / Civil Division | PERRY |
| Census Block Group | 1 |
| Census Block | 1005 |
| 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 | 3406 E WINSTON ST, BLOOMINGTON, IN 47401-4458 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Aug 10, 2020 | Deed of Trust, Mortgage · Line of Credit HORIZON BANK |
| Jul 25, 2019 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 2019 · Amount on Record |
| Deed Sale | Jul 25, 2019 · Amount on Record |
| Deed Document Number | 201910488 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IN |
| Property Address | 3406 E WINSTON ST, BLOOMINGTON, IN 47401-4458 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2021003166 |
|---|---|
| Date | Feb 18, 2021 |
| Instrument | 2021003166 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Mar 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IN |
| Property Address | 3406 E WINSTON ST, BLOOMINGTON, IN 47401-4458 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3406 E WINSTON ST, BLOOMINGTON, IN 47401-4458 |
| Document Number | 2020012482 |
|---|---|
| Date | Aug 10, 2020 |
| Instrument | 2020012482 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 16, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IN |
| Recording Date | Jul 25, 2019 |
| Property Address | 3406 E WINSTON ST, BLOOMINGTON, IN 47401-4458 |
| Document Number | 2019010488 |
| Map Reference | MB 8 PG 6&7 |
| Instrument Date | Jul 12, 2019 |
| Instrument | 2019010488 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3406 E WINSTON ST, BLOOMINGTON, IN 47401-4458 |
| Document Number | 2019010490 |
|---|---|
| Date | Jul 25, 2019 |
| Instrument | 2019010490 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
Source: Monroe County assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Indiana |
| Municipality | Bloomington City |
| 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 | $4,508.00 (-8.39%) | $443,200 (+5.93%) Land $136,200 Building $307,000 | $443,200 (+5.93%) Land $136,200 Building $307,000 |
| 2024 | $4,921.00 (+18.95%) | ||
| 2023 | $418,400 (+11.66%) Land $136,200 Building $282,200 | $418,400 (+11.66%) Land $136,200 Building $282,200 | |
| 2022 | $4,137.00 Homeowner's exemption | $374,700 Land $119,400 Building $255,300 | $374,700 Land $119,400 Building $255,300 |
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 |
|---|---|
| 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 | None beyond ember reach |
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 262 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 · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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