3643 E Morningside Dr, Bloomington, IN 47408 Property Records

Monroe County property record for 3643 E Morningside Dr, Bloomington, IN 47408

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,054 sqft · built 1961
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Aug 2018)
Tax Bill	$3,417 (2025)
Deeds & Mortgages	Jun 2011 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`013-28680-00`

Property Details

APN / Parcel Number

Primary APN	`013-28680-00`
Alternative APN	`53-05-35-406-042.000-005`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,054 sqft Living Area
1st Floor Area	2,054 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1980
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	013-28680-00
Street Address	3643 E MORNINGSIDE DR
City	BLOOMINGTON
State	IN
Zip	47408-4335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARK RIDGE LOT 98
Legal Subdivision	PARK RIDGE
Legal Lot Number	98
Jurisdiction	MONROE IN
Township / Civil Division	BLOOMINGTON
Census Block Group	2
Census Block	2019
Census Tract	903

Owner

Source: Monroe County assessment roll, 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	Individual Name on File
Mailing Address	3643 E MORNINGSIDE DR, BLOOMINGTON, IN 47408-4335
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2011	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Aug 7, 2018	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 7, 2018 · Amount on Record
Deed Sale	Aug 7, 2018 · Amount on Record
Deed Document Number	201810737
Record Updated	Sep 20, 2026

June 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	3643 E MORNINGSIDE DR, BLOOMINGTON, IN 47408-4335
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2011008565
Date	Jun 30, 2011
Instrument	2011008565

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	419 Months
Due	May 27, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	3643 E MORNINGSIDE DR, BLOOMINGTON, IN 47408-4335
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020007113
Date	May 20, 2020
Instrument	2020007113

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Aug 7, 2018
Property Address	3643 E MORNINGSIDE DR, BLOOMINGTON, IN 47408-4335
Document Number	2018010737
Map Reference	CAB B ENV 93
Instrument Date	Aug 3, 2018
Instrument	2018010737
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Tenants by the Entirety
Address	3643 E MORNINGSIDE DR, BLOOMINGTON, IN 47408-4335

Mortgage

Document Number	2018010739
Date	Aug 7, 2018
Instrument	2018010739

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
Municipality	Bloomington City
County	Monroe County
County Subdivision	Bloomington Township
Unified School District	Monroe County Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,417.00 (-10.6%)	$353,100 (+2.94%) Land $135,000 Building $218,100	$353,100 (+2.94%) Land $135,000 Building $218,100
2024	$3,822.00 (+10.75%)
2023		$343,000 (+7.32%) Land $82,500 Building $260,500	$343,000 (+7.32%) Land $82,500 Building $260,500
2022	$3,451.00 Homeowner's exemption	$319,600 Land $75,000 Building $244,600	$319,600 Land $75,000 Building $244,600

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 80% of the US · above 73% of Indiana
Wildfire Likelihood	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 272 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	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Smithville Communications.

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