4390 N Stuart Rd, Bloomington, IN 47404 Property Records

Monroe County property record for 4390 N Stuart Rd, Bloomington, IN 47404

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,360 sqft · built 1988
Lot Size	0.57 acres (24,829 sqft)
Owner	Individual Name on File
Last Sale	$740,000 (Oct 2025)
Tax Bill	$2,611 (2025)
Deeds & Mortgages	Apr 2005 Mortgage Oct 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012-25480-02`

Property Details

APN / Parcel Number

Primary APN	`012-25480-02`
Alternative APN	`53-05-18-400-048.000-004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,360 sqft Living Area
1st Floor Area	2,240 sqft
Attic	Attic
Attic Area	2,240 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1996
Construction Type	Wood
Roof Material	Asphalt
Lot Area	24,829 sqft (0.57 acres)
Terrain	High
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	012-25480-02
Street Address	4390 N STUART RD
City	BLOOMINGTON
State	IN
Zip	47404-9559
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	012-25480-02 PT SE 18-9-1W .569A (UPPER FLANDERS LOT 16)
Legal Lot Number	16
Jurisdiction	MONROE IN
Township / Civil Division	BLOOMINGTON
Census Block Group	3
Census Block	3021
Census Tract	700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Maple Grove Road Rural Historic District listed 1998 · 114 contributing resources · NRIS 98001051

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

4390 N Stuart Rd is owned and occupied by an individual who bought it in October 2025.

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

Owner of Record	Individual Name on File
Mailing Address	4390 N STUART RD, BLOOMINGTON, IN 47404-9559
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
Apr 8, 2005	Deed of Trust, Mortgage · ARM HOMETOWN MORTGAGE SERVICES INC
Oct 8, 2025	Warranty Deed, Transfer · Conventional Mortgage ELEMENTS FINANCIAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2025 · Amount on File
Deed Sale	Oct 8, 2025 · Amount on File
Deed Document Number	202554668
Record Updated	Sep 20, 2026

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	4390 N STUART RD, BLOOMINGTON, IN 47404-9559
Transaction Type	Mortgage
Record Updated	May 12, 2026
Title Company	NATIONS TITLE, NATIONS TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2005006123
Date	Apr 8, 2005
Instrument	2005006123

Lender

Name	HOMETOWN MORTGAGE SERVICES INC
Type	Mortgage Company
Address	BIRMINGHAM, AL 35242

Agreement

Type	ARM
Amount	Amount on Record
Term	353 Months
Due	Sep 1, 2034

Interest

Rate Type	Adjustable Rate
Rate	6.95%
Type Change Date	Sep 1, 2006
Change Frequency	6 Months
Min Rate At Change	6.95%
Max Rate At Change	9.95%
Index	6-Month LIBOR
Max Rate	12.9%

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Oct 8, 2025
Property Address	4390 N STUART RD, BLOOMINGTON, IN 47404-9559
Document Number	2025011466
Instrument Date	Oct 8, 2025
Instrument	2025011466
Transaction Type	Transfer
Record Updated	May 12, 2026

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4390 NORTH IRESALE, BLOOMINGTON, IN 47404

Mortgage

Document Number	2025011467
Date	Oct 8, 2025
Instrument	2025011467

Lender

Name	ELEMENTS FINANCIAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.3%
Index	Other
Margin	3
Max Rate	11.3%

Tax Assessment & Valuation

The 2025 property tax bill for 4390 N Stuart Rd was $2,611, down 7.1% 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	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	$2,611.00 (-7.08%)	$362,300 (+0.69%) Land $44,000 Building $318,300	$362,300 (+0.69%) Land $44,000 Building $318,300
2024	$2,810.00	$359,800 (+5.17%) Land $44,000 Building $315,800	$359,800 (+5.17%) Land $44,000 Building $315,800
2023		$342,100 (+9.93%) Land $42,300 Building $299,800	$342,100 (+9.93%) Land $42,300 Building $299,800
2022	$2,398.00	$311,200 Land $42,300 Building $268,900	$311,200 Land $42,300 Building $268,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4390 N Stuart Rd 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 4390 N Stuart Rd 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 69 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Smithville Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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