3806 E Morningside Dr, Bloomington, IN 47408 Property Records

Monroe County property record for 3806 E Morningside Dr, Bloomington, IN 47408

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,904 sqft · built 1978
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$289,900 (Jun 2024)
Tax Bill	$2,472 (2025)
Deeds & Mortgages	Apr 2009 Mortgage Jun 2024 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`013-50010-00`

Property Details

APN / Parcel Number

Primary APN	`013-50010-00`
Alternative APN	`53-05-35-406-061.000-005`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,904 sqft Living Area
1st Floor Area	952 sqft
Attic	Attic
Attic Area	1,904 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1988
Construction Type	Wood
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	013-50010-00
Street Address	3806 E MORNINGSIDE DR
City	BLOOMINGTON
State	IN
Zip	47408-4338
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARK RIDGE 1ST LOT 105
Legal Subdivision	PARK RIDGE
Legal Lot Number	105
Jurisdiction	MONROE IN
Township / Civil Division	BLOOMINGTON
Census Block Group	2
Census Block	2015
Census Tract	903

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	3806 E MORNINGSIDE DR, BLOOMINGTON, IN 47408-4338
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2009	Deed of Trust, Mortgage · Conventional Mortgage INDIANA UNIVERSITY CU
Jun 5, 2024	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Aug 17, 2023	Quit Claim Deed, Transfer Quitclaim
Sep 10, 2020	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jul 26, 2017	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jul 2, 2013	Warranty Deed, Transfer
May 25, 2011	Warranty Deed, Transfer · FHA Mortgage FIRST REPUBLIC MORTGAGE CORP
Feb 23, 2006	Warranty Deed, Transfer · ARM INDIANA UNIVERSITY EMPLOYEES FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2024 · Amount on Record
Deed Sale	Jun 5, 2024 · Amount on Record
Prior Sale	Sep 10, 2020 · Amount on Record
Deed Document Number	202451436
Record Updated	Oct 29, 2026

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	3806 E MORNINGSIDE DR, BLOOMINGTON, IN 47408-4338
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009006251
Date	Apr 22, 2009
Instrument	2009006251

Lender

Name	INDIANA UNIVERSITY CU
Address	BLOOMINGTON, IN 47402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2029

June 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Jun 5, 2024
Property Address	3806 E MORNINGSIDE DR, BLOOMINGTON, IN 47408-4338
Document Number	2024005732
Map Reference	MB 4 PG 93
Instrument Date	May 29, 2024
Instrument	2024005732
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 22, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3804 E MORNINGSIDE DR, BLOOMINGTON, IN 47408-4338

Mortgage

Document Number	2024005733
Date	Jun 5, 2024
Instrument	2024005733

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2054

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IN
Recording Date	Aug 17, 2023
Property Address	3806 E MORNINGSIDE DR, BLOOMINGTON, IN 47408-4338
Document Number	2023009760
Map Reference	MB 4 PG 93
Instrument Date	Jul 28, 2023
Instrument	2023009760
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	231 SAN ANTONIO CIR, PLACENTIA, CA 92870-6213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2708 E BRIGS BND, BLOOMINGTON, IN 47401-4402

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Sep 10, 2020
Property Address	3806 E MORNINGSIDE DR, BLOOMINGTON, IN 47408-4338
Document Number	2020014632
Map Reference	MB 4 PG 93
Instrument Date	Sep 8, 2020
Instrument	2020014632
Transaction Type	Transfer
Record Updated	Jun 22, 2026

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
Relationship	Joint Tenants with Right of Survivorship
Address	2708 E BRIGS BND, BLOOMINGTON, IN 47401-4402

Mortgage

Document Number	2020014634
Date	Sep 10, 2020
Instrument	2020014634

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

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

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Jul 26, 2017
Property Address	3806 E MORNINGSIDE DR, BLOOMINGTON, IN 47408-4338
Document Number	2017010373
Instrument Date	Jul 20, 2017
Instrument	2017010373
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 MEADOW LN, OSSIAN, IN 46777-9385

Mortgage

Document Number	2017010376
Date	Jul 26, 2017
Instrument	2017010376

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

July 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Jul 2, 2013
Property Address	3806 E MORNINGSIDE DR, BLOOMINGTON, IN 47408-4338
Document Number	2013011619
Map Reference	MB4 PG93
Instrument Date	Jun 28, 2013
Instrument	2013011619
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3806 E MORNINGSIDE DR, BLOOMINGTON, IN 47408-4338

May 2011: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	May 25, 2011
Property Address	3806 E MORNINGSIDE DR, BLOOMINGTON, IN 47408-4338
Document Number	2011006917
Map Reference	MB4 PG93
Instrument Date	May 20, 2011
Instrument	2011006917
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3806 E MORNINGSIDE DR, BLOOMINGTON, IN 47408-4338
Investor	Possibly a Property Investor

Mortgage

Document Number	2011006919
Date	May 25, 2011
Instrument	2011006919

Lender

Name	FIRST REPUBLIC MORTGAGE CORP
Type	Lending Institution
Address	FORT WAYNE, IN 46825

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2041

February 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Feb 23, 2006
Property Address	3806 E MORNINGSIDE DR, BLOOMINGTON, IN 47408-4338
Document Number	2006004126
Map Reference	MB4 PG93
Instrument Date	Feb 15, 2006
Instrument	2006004126
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3806 E MORNINGSIDE DR, BLOOMINGTON, IN 47408-4338

Mortgage

Document Number	2006004128
Date	Feb 23, 2006
Instrument	2006004128

Lender

Name	INDIANA UNIVERSITY EMPLOYEES FCU

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Mar 1, 2011
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	1-Year T-Bill
Max Rate	10.8%

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	$2,472.00 (-10.98%)	$270,200 (+8.95%) Land $135,000 Building $135,200	$270,200 (+8.95%) Land $135,000 Building $135,200
2024	$2,777.00 (-40.64%)
2023		$248,000 (+7.55%) Land $82,500 Building $165,500	$248,000 (+7.55%) Land $82,500 Building $165,500
2022	$4,678.00 (+8.21%)	$230,600 Land $75,000 Building $155,600	$230,600 Land $75,000 Building $155,600
2021	$4,323.00

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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