4354 N Centennial Dr, Bloomington, IN 47404 Property Records

Monroe County property record for 4354 N Centennial Dr, Bloomington, IN 47404

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,158 sqft · built 1979
Lot Size	0.487 acres (21,214 sqft)
Owner	Individual Name on File
Last Sale	$369,000 (Dec 2024)
Tax Bill	$2,500 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit Jun 2022 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`009-29460-00`

Property Details

APN / Parcel Number

Primary APN	`009-29460-00`
Alternative APN	`53-04-13-402-020.000-013`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,158 sqft Living Area
1st Floor Area	2,158 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1999
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	21,214 sqft (0.487 acres)
Garage Type	Attached
Garage Area	476 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	009-29460-00
Street Address	4354 N CENTENNIAL DR
City	BLOOMINGTON
State	IN
Zip	47404-9608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR
Legal Description	009-29460-00 CENTENNIAL PARK PH 4 LOT 79
Legal Subdivision	HIGHLAND PARK ESTATES
Legal Lot Number	79
Jurisdiction	MONROE IN
Township / Civil Division	RICHLAND
Census Block Group	3
Census Block	3016
Census Tract	1303

Owner

4354 N Centennial Dr is owned and occupied by an individual who bought it in December 2024.

Source: Monroe County records, as of June 22, 2026

Owner of Record	Individual Name on File
Mailing Address	4354 N CENTENNIAL DR, BLOOMINGTON, IN 47404-9608
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2017	Deed of Trust, Mortgage · Line of Credit INDIANA UNIVERSITY CU
Jun 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Nov 13, 2023	Deed of Trust, Mortgage · Line of Credit INDIANA UNIVERSITY CU
May 14, 2009	Deed of Trust, Mortgage · Conventional Mortgage INDIANA UNIVERSITY CU
Apr 5, 2006	Deed of Trust, Mortgage · Line of Credit INDIANA UNIVERSITY EMPLOYEES FCU
Mar 11, 2026	Intrafamily Transfer, Transfer · VA Mortgage E MORTGAGE CAPITAL INC
Apr 19, 2022	Quit Claim Deed, Transfer Quitclaim
May 28, 2020	Warranty Deed, Transfer · Unknown CENTENNIAL PARK LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2024 · Amount on File
Deed Sale	Dec 16, 2024 · Amount on File
Prior Sale	May 28, 2020 · Amount on File
Deed Document Number	202452721
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	4354 N CENTENNIAL DR, BLOOMINGTON, IN 47404-9608
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017009726
Date	Jul 14, 2017
Instrument	2017009726

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jul 15, 2022

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	4354 N CENTENNIAL DR, BLOOMINGTON, IN 47404-9608
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022009443
Date	Jun 24, 2022
Instrument	2022009443

Lender

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

Agreement

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

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	4354 N CENTENNIAL DR, BLOOMINGTON, IN 47404-9608
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023013183
Date	Nov 13, 2023
Instrument	2023013183

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 12, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	4354 N CENTENNIAL DR, BLOOMINGTON, IN 47404-9608
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2009008012
Date	May 14, 2009
Instrument	2009008012

Lender

Name	INDIANA UNIVERSITY CU
Address	BLOOMINGTON, IN 47402

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2039

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	4354 N CENTENNIAL DR, BLOOMINGTON, IN 47404-9608
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2006006709
Date	Apr 5, 2006
Instrument	2006006709

Lender

Name	INDIANA UNIVERSITY EMPLOYEES FCU
Address	BLOOMINGTON, IN 47401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Apr 4, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IN
Recording Date	Mar 11, 2026
Property Address	4354 N CENTENNIAL DR, BLOOMINGTON, IN 47404-9608
Document Number	2026002784
Map Reference	DOC 2020008714
Instrument Date	Nov 11, 2025
Instrument	2026002784
Transaction Type	Transfer
Record Updated	Apr 15, 2026
Title Company	MORTGAGE CONNECT

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4354 N CENTENNIAL DR, BLOOMINGTON, IN 47404-9608

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4354 N CENTENNIAL DR, BLOOMINGTON, IN 47404-9608

Mortgage

Document Number	2026002785
Date	Mar 11, 2026
Instrument	2026002785

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Dec 1, 2055

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IN
Recording Date	Apr 19, 2022
Property Address	4354 N CENTENNIAL DR, BLOOMINGTON, IN 47404-9608
Document Number	2022006002
Map Reference	CAB B ENV 225
Instrument Date	Apr 18, 2022
Instrument	2022006002
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4354 N CENTENNIAL DR, BLOOMINGTON, IN 47404-9608

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	May 28, 2020
Property Address	4354 N CENTENNIAL DR, BLOOMINGTON, IN 47404-9608
Document Number	2020007635
Instrument Date	Apr 14, 2020
Instrument	2020007635
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount 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	1324 W FEATHERCREST CT, BLOOMINGTON, IN 47403-9050

Mortgage

Document Number	2020007637
Date	May 28, 2020
Instrument	2020007637

Lender

Name	CENTENNIAL PARK LLC
Type	Non-Lending Institution

Agreement

Type	Unknown
Amount	Amount on Record
Term	27 Months
Due	Aug 1, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 4354 N Centennial Dr was $2,500, down 15.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Indiana
County	Monroe County
County Subdivision	Richland Township
Municipality	Ellettsville Town
Unified School District	Richland-Bean Blossom Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,500.00 (-15.54%)	$278,800 Land $74,900 Building $203,900	$278,800 Land $74,900 Building $203,900
2024	$2,960.00
2023		$293,600 (+16.93%) Land $74,900 Building $218,700	$293,600 (+16.93%) Land $74,900 Building $218,700
2022	$2,511.00	$251,100 Land $60,000 Building $191,100	$251,100 Land $60,000 Building $191,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4354 N Centennial Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4354 N Centennial Dr is low, with a 0.01% annual chance of 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	ELLETTSVILLE WATER WORKS serves 14,500 people · EPA ID IN5253004
Water Source	Purchased surface water from CITY OF BLOOMINGTON UTILITIES
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Smithville Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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