3849 S Cramer Cir, Bloomington, IN 47403 Property Records

Monroe County property record for 3849 S Cramer Cir, Bloomington, IN 47403

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,228 sqft · built 2007
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$254,300 (Feb 2026)
Tax Bill	$1,622 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`014-17094-32`

Property Details

APN / Parcel Number

Primary APN	`014-17094-32`
Alternative APN	`53-01-41-709-432.000-008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,228 sqft Living Area
1st Floor Area	1,228 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Condo/Apartment
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Attached
Garage Area	210 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	014-17094-32
Street Address	3849 S CRAMER CIR
City	BLOOMINGTON
State	IN
Zip	47403-8997
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	BATCHELOR HEIGHTS SEC 2 LOT 132
Legal Subdivision	BATCHELOR HEIGHTS
Legal Lot Number	132
Jurisdiction	MONROE IN
Township / Civil Division	PERRY
Census Block Group	3
Census Block	3008
Census Tract	1102

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	3849 S CRAMER CIR, BLOOMINGTON, IN 47403-8997
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2026	Warranty Deed, Transfer · Conventional Mortgage INDIANA UNIVERSITY CU
Feb 16, 2026	Warranty Deed, Transfer · Conventional Mortgage INDIANA UNIVERSITY CU
Jun 9, 2022	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Aug 18, 2016	Deed, Transfer · Conventional Mortgage OLD NATIONAL BANK
Aug 3, 2007	Warranty Deed, Transfer
Sep 11, 2006	Warranty Deed, Subdivision Related Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2026 · Amount on Record
Deed Sale	Feb 16, 2026 · Amount on Record
Prior Sale	Aug 18, 2016 · Amount on Record
Deed Document Number	202655353
Record Updated	Sep 20, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Feb 16, 2026
Property Address	3849 S CRAMER CIR, BLOOMINGTON, IN 47403-8997
Document Number	2026001775
Map Reference	CAB C ENV 315
Instrument Date	Feb 5, 2026
Instrument	2026001775
Transaction Type	Transfer
Record Updated	Mar 17, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3849 S CRAMER CIR, BLOOMINGTON, IN 47403-8997

Mortgage

Document Number	2026001776
Date	Feb 16, 2026
Instrument	2026001776

Lender

Name	INDIANA UNIVERSITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Feb 16, 2026
Property Address	3849 S CRAMER CIR, BLOOMINGTON, IN 47403-8997
Document Number	2026001775
Map Reference	CAB C ENV 315
Instrument Date	Feb 5, 2026
Instrument	2026001775
Transaction Type	Transfer
Record Updated	Mar 27, 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
Address	3849 S CRAMER CIR, BLOOMINGTON, IN 47403-8997

Mortgage

Document Number	2026001776
Date	Feb 16, 2026
Instrument	2026001776

Lender

Name	INDIANA UNIVERSITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Jun 9, 2022
Property Address	3849 S CRAMER CIR, BLOOMINGTON, IN 47403-8997
Document Number	2022008761
Map Reference	CAB C ENV 315
Instrument Date	Jun 8, 2022
Instrument	2022008761
Transaction Type	Transfer
Record Updated	Mar 27, 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
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3849 S CRAMER CIR, BLOOMINGTON, IN 47403-8997

Mortgage

Document Number	2022008762
Date	Jun 9, 2022
Instrument	2022008762

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

August 2016: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IN
Recording Date	Aug 18, 2016
Property Address	3849 S CRAMER CIR, BLOOMINGTON, IN 47403-8997
Document Number	2016011417
Map Reference	CAB C ENV 315
Instrument Date	Aug 15, 2016
Instrument	2016011417
Transaction Type	Transfer
Record Updated	Mar 27, 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
Address	3849 S CRAMER CIR, BLOOMINGTON, IN 47403-8997

Mortgage

Document Number	2016011418
Date	Aug 18, 2016
Instrument	2016011418

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2046

August 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Aug 3, 2007
Property Address	3849 S CRAMER CIR, BLOOMINGTON, IN 47403-8997
Document Number	2007014236
Map Reference	CABC SL315
Instrument Date	Jul 26, 2007
Instrument	2007014236
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3849 S CRAMER CIR, BLOOMINGTON, IN 47403-8997

September 2006: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Sep 11, 2006
Property Address	3849 S CRAMER CIR, BLOOMINGTON, IN 47403-8997
Document Number	2006018337
Map Reference	CABC MR248 PG739-754
Instrument Date	Sep 7, 2006
Instrument	2006018337
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 27, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3849 S CRAMER CIR, BLOOMINGTON, IN 47403-8997
Investor	Possibly a Property Investor

Mortgage

Document Number	2006018338
Date	Sep 11, 2006
Instrument	2006018338

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Oct 1, 2011
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	11.7%
Index	1-Year LIBOR
Max Rate	11.7%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Indiana
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	$1,622.00 (+5.53%)	$240,000 (+34.15%) Land $50,000 Building $190,000	$240,000 (+34.15%) Land $50,000 Building $190,000
2024	$1,537.00 (+44.05%)
2023		$178,900 (+7.51%) Land $40,000 Building $138,900	$178,900 (+7.51%) Land $40,000 Building $138,900
2022	$1,067.00	$166,400 Land $40,000 Building $126,400	$166,400 Land $40,000 Building $126,400

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 96% of the US · lower than 73% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 413 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Smithville Communications.

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