3685 S Sowder Sq, Bloomington, IN 47401 Property Records

Monroe County property record for 3685 S Sowder Sq, Bloomington, IN 47401

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,328 sqft · built 1970
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Dec 2021)
Tax Bill	$3,768 (2025)
Deeds & Mortgages	May 2020 Mortgage Mar 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`015-08700-00`

Property Details

APN / Parcel Number

Primary APN	`015-08700-00`
Alternative APN	`53-08-16-117-026.000-009`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,328 sqft Living Area
1st Floor Area	2,328 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1995
Construction Type	Masonry / Concrete Block
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	468 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	015-08700-00
Street Address	3685 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 172
Legal Subdivision	SHERWOOD OAKS ADD 3RD SEC
Legal Lot Number	172
Jurisdiction	MONROE IN
Township / Civil Division	PERRY
Census Block Group	1
Census Block	1001
Census Tract	1002

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	3685 S SOWDER SQ, BLOOMINGTON, IN 47401-8820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Mar 14, 2022	Deed of Trust, Mortgage · Line of Credit INDIANA UNIVERSITY CU
Apr 2, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 29, 2021 · Amount on Record
Deed Sale	Dec 29, 2021 · Amount on Record
Prior Sale	Apr 2, 2021
Deed Document Number	202145043
Prior Transfer Date	Apr 18, 2014
Prior Transfer Doc	2014005976
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	3685 S SOWDER SQ, BLOOMINGTON, IN 47401-8820
Transaction Type	Mortgage
Record Updated	Feb 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020006494
Date	May 8, 2020
Instrument	2020006494

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	3685 S SOWDER SQ, BLOOMINGTON, IN 47401-8820
Transaction Type	Mortgage
Record Updated	Feb 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022004048
Date	Mar 14, 2022
Instrument	2022004048

Lender

Name	INDIANA UNIVERSITY CU
Type	Credit Union
Address	BLOOMINGTON, IN 47401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 13, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Apr 2, 2021
Property Address	3685 S SOWDER SQ, BLOOMINGTON, IN 47401-8820
Document Number	2021006378
Map Reference	CAB B ENV 128
Instrument Date	Apr 1, 2021
Instrument	2021006378
Transaction Type	Transfer
Record Updated	Feb 14, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 E 6TH ST STE 1, 1, BLOOMINGTON, IN 47408-3312
Investor	Possibly a Property Investor

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	$3,768.00 (-11.34%)	$382,400 (-4.73%) Land $93,600 Building $288,800	$382,400 (-4.73%) Land $93,600 Building $288,800
2024	$4,250.00 (+11.67%)
2023		$401,400 (+15.34%) Land $93,600 Building $307,800	$401,400 (+15.34%) Land $93,600 Building $307,800
2022	$3,806.00 Homeowner's exemption	$348,000 Land $79,400 Building $268,600	$348,000 Land $79,400 Building $268,600

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	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 98% of the US · lower than 85% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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: IsoFusion, T-Mobile USA.

Nearby Properties on S Sowder Sq

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures