3648 S Sowder Sq, Bloomington, IN 47401 Property Records

Monroe County property record for 3648 S Sowder Sq, Bloomington, IN 47401

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,030 sqft · built 1972
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$388,000 (Jun 2025)
Tax Bill	$3,274 (2025)
Deeds & Mortgages	Dec 2020 Transfer Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`015-51050-00`

Property Details

APN / Parcel Number

Primary APN	`015-51050-00`
Alternative APN	`53-08-16-115-006.000-009`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,030 sqft Living Area
1st Floor Area	2,030 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1999
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	118 ft deep x 64 ft wide
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	015-51050-00
Street Address	3648 S SOWDER SQ
City	BLOOMINGTON
State	IN
Zip	47401-8758
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	015-51050-00 SHERWOOD OAKS SEC 4 LOT 333
Legal Subdivision	SHERWOOD OAKS ADDITION
Legal Lot Number	333
Jurisdiction	MONROE IN
Township / Civil Division	PERRY
Census Block Group	1
Census Block	1001
Census Tract	1002

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	Individual Name on Record
Mailing Address	3648 S SOWDER SQ, BLOOMINGTON, IN 47401-8758
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2020	Quit Claim Deed, Transfer Quitclaim
Aug 5, 2020	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2025 · Amount on Record
Deed Sale	Jun 2, 2025 · Amount on Record
Prior Sale	Aug 5, 2020 · Amount on Record
Deed Document Number	202553746
Record Updated	Sep 20, 2026

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IN
Recording Date	Dec 8, 2020
Property Address	3648 S SOWDER SQ, BLOOMINGTON, IN 47401-8758
Document Number	2020020761
Map Reference	CAB B ENV 160
Instrument Date	Dec 4, 2020
Instrument	2020020761
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	885 S COLLEGE MALL RD, BLOOMINGTON, IN 47401-6301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	885 S COLLEGE MALL RD, BLOOMINGTON, IN 47401-6301

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Aug 5, 2020
Property Address	3648 S SOWDER SQ, BLOOMINGTON, IN 47401-8758
Document Number	2020012249
Map Reference	CAB B ENV 160
Instrument Date	Aug 3, 2020
Instrument	2020012249
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	213 S OVERHILL DR, BLOOMINGTON, IN 47408-4293
Investor	Possibly a Property Investor

Mortgage

Document Number	2020012250
Date	Aug 5, 2020
Instrument	2020012250

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

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

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	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	$3,274.00 (-54.93%)	$341,800 (-6.56%) Land $90,300 Building $251,500	$341,800 (-6.56%) Land $90,300 Building $251,500
2024	$7,265.00 (+13.2%)
2023		$365,800 (+15.39%) Land $90,300 Building $275,500	$365,800 (+15.39%) Land $90,300 Building $275,500
2022	$6,418.00	$317,000 Land $76,500 Building $240,500	$317,000 Land $76,500 Building $240,500

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	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 94% of the US · above 40% 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 428 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: GigabitNow, T-Mobile.

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