Monroe County property record for 3814 E Winston St, Bloomington, IN 47401
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 3,441 sqft · built 1997 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | Individual Name on File |
| Last Sale | $600,000 (Oct 2020) |
| Tax Bill | $7,045 (2025) |
| Deeds & Mortgages | Nov 2020 Line of Credit Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-12640-06 |
| Primary APN | 015-12640-06 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 19 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,441 sqft Living Area |
| 1st Floor Area | 3,441 sqft |
| Basement Area | 1,542 sqft |
| Finished Basement | 784 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 19,166 sqft (0.44 acres) |
| Terrain | Low |
| Garage Type | Mixed |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 015-12640-06 |
|---|---|
| Street Address | 3814 E WINSTON ST |
| City | BLOOMINGTON |
| State | IN |
| Zip | 47401-4281 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 015-12640-06 SILVER CREEK LOT 6 |
| Legal Subdivision | AMENDED SILVER CREEK |
| Legal Lot Number | 6 |
| Jurisdiction | MONROE IN |
| Township / Civil Division | PERRY |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 1001 |
Source: Monroe County records · APN 015-12640-06
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 | 3814 E WINSTON ST, BLOOMINGTON, IN 47401-4281 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 16, 2020 | Deed of Trust, Mortgage · Line of Credit THE GERMAN AMERICAN BANK |
| Oct 02, 2020 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 02, 2020 · Amount on Record |
| Deed Sale | Oct 02, 2020 · Amount on Record |
| Deed Document Number | 202016282 |
| Prior Transfer Date | Oct 24, 2007 |
| Prior Transfer Doc | 2007019686 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IN |
| Property Address | 3814 E WINSTON ST, BLOOMINGTON, IN 47401-4281 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2020019299 |
|---|---|
| Date | Nov 16, 2020 |
| Instrument | 2020019299 |
| Name | THE GERMAN AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | BLOOMINGTON, IN 47402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Oct 20, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IN |
| Recording Date | Oct 02, 2020 |
| Property Address | 3814 E WINSTON ST, BLOOMINGTON, IN 47401-4281 |
| Document Number | 2020016282 |
| Map Reference | CAB C ENV 190 |
| Instrument Date | Oct 01, 2020 |
| Instrument | 2020016282 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3814 E WINSTON ST, BLOOMINGTON, IN 47401-4281 |
| Document Number | 2020016283 |
|---|---|
| Date | Oct 02, 2020 |
| Instrument | 2020016283 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
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 | $7,045.00 (-6.94%) | $651,700 (-4.06%) Land $131,600 Building $520,100 | $651,700 (-4.06%) Land $131,600 Building $520,100 |
| 2024 | $7,570.00 (+8.22%) | ||
| 2023 | $679,300 (+7.86%) Land $131,600 Building $547,700 | $679,300 (+7.86%) Land $131,600 Building $547,700 | |
| 2022 | $6,995.00 Homeowner's exemption | $629,800 Land $115,400 Building $514,400 | $629,800 Land $115,400 Building $514,400 |
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 | 7 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2017 · other causes |
| Wildfire Risk | Low lower than 80% of the US · above 73% of Indiana |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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) |
|---|---|
| IsoFusion Fiber | 10,000 / 10,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 115 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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