Monroe County property record for 3681 S Sowder Sq, Bloomington, IN 47401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,944 sqft · built 1968 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Feb 2017) |
| Tax Bill | $3,218 (2025) |
| Deeds & Mortgages | Sep 2023 Second Mortgage Sep 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-19680-00 |
| Primary APN | 015-19680-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,944 sqft Living Area |
| 1st Floor Area | 1,944 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1995 |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 135 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 588 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 015-19680-00 |
|---|---|
| Street Address | 3681 S SOWDER SQ |
| City | BLOOMINGTON |
| State | IN |
| Zip | 47401-8820 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SHERWOOD OAKS S3 LOT 173 |
| Legal Subdivision | SHERWOOD OAKS ADDITION |
| Legal Lot Number | 173 |
| Jurisdiction | MONROE IN |
| Township / Civil Division | PERRY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 1002 |
Source: Monroe County records · APN 015-19680-00
Assessment roll updated June 22, 2026 · Last verified June 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 | 3681 S SOWDER SQ, BLOOMINGTON, IN 47401-8820 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage INDIANA HOUSING & COMMUNITY DEVELOPMENT |
| Sep 18, 2023 | Limited Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC |
| Jul 18, 2019 | Quit Claim Deed, Transfer Quitclaim |
| Feb 24, 2017 | Warranty Deed, Transfer · VA Mortgage USAA FSB |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 24, 2017 · Amount on Record |
| Deed Sale | Feb 24, 2017 · Amount on Record |
| Prior Sale | Jul 12, 2010 · Amount on Record |
| Deed Document Number | 20172555 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IN |
| Property Address | 3681 S SOWDER SQ, BLOOMINGTON, IN 47401-8820 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2023011133 |
|---|---|
| Date | Sep 18, 2023 |
| Instrument | 2023011133 |
| Name | INDIANA HOUSING & COMMUNITY DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Address | BLOOMINGTON, IN 47401 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 108 Months |
| Due | Sep 15, 2032 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | MONROE IN |
| Recording Date | Sep 18, 2023 |
| Property Address | 3681 S SOWDER SQ, BLOOMINGTON, IN 47401-8820 |
| Document Number | 2023011131 |
| Map Reference | CAB B ENV 133 |
| Instrument Date | Sep 01, 2023 |
| Instrument | 2023011131 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 3681 S SOWDER SQ, BLOOMINGTON, IN 47401-8820 |
| Document Number | 2023011132 |
|---|---|
| Date | Sep 18, 2023 |
| Instrument | 2023011132 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE IN |
| Recording Date | Jul 18, 2019 |
| Property Address | 3681 S SOWDER SQ, BLOOMINGTON, IN 47401-8820 |
| Document Number | 2019010096 |
| Map Reference | CAB B ENV 133 |
| Instrument Date | Jul 10, 2019 |
| Instrument | 2019010096 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5020 CLARK RD # 238, 238, SARASOTA, FL 34233-3231 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IN |
| Recording Date | Feb 24, 2017 |
| Property Address | 3681 S SOWDER SQ, BLOOMINGTON, IN 47401-8820 |
| Document Number | 2017002555 |
| Map Reference | CAB B ENV 133 |
| Instrument Date | Feb 21, 2017 |
| Instrument | 2017002555 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3681 S SOWDER SQ, BLOOMINGTON, IN 47401-8820 |
| Document Number | 2017002556 |
|---|---|
| Date | Feb 24, 2017 |
| Instrument | 2017002556 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2047 |
Source: Monroe County records · Assessment roll updated June 22, 2026 · Last verified June 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,218.00 (-11.81%) | $337,200 (-3.99%) Land $93,600 Building $243,600 | $337,200 (-3.99%) Land $93,600 Building $243,600 |
| 2024 | $3,649.00 (-40.75%) | ||
| 2023 | $351,200 (+15.45%) Land $93,600 Building $257,600 | $351,200 (+15.45%) Land $93,600 Building $257,600 | |
| 2022 | $6,159.00 (+11.29%) | $304,200 Land $79,400 Building $224,800 | $304,200 Land $79,400 Building $224,800 |
| 2021 | $5,534.00 |
Source: FEMA National Flood Hazard Layer as of September 17, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 97% of the US · lower than 78% of Indiana |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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: IsoFusion, T-Mobile USA.
Based on FCC filings for 428 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF BLOOMINGTON UTILITIES serves 83,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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