445 W Cedar Bluff Rd, Bloomington, IN 47403 Property Records

Monroe County property record for 445 W Cedar Bluff Rd, Bloomington, IN 47403

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 880 sqft · built 1950
Lot Size	0.81 acres (35,284 sqft)
Owner	Individual Name on Record
Last Sale	$70,600 (Apr 2019)
Tax Bill	$2,745 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-16070-00`

Property Details

APN / Parcel Number

Primary APN	`004-16070-00`
Alternative APN	`53-11-17-400-038.000-006`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	2 Rooms
Stories	1 Story
Building Area	880 sqft Living Area
1st Floor Area	880 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1960
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	35,284 sqft (0.81 acres)
Garage Type	Mixed
Garage Area	1,801 sqft
Parking Spaces	7 Parking Spaces
Deck Area	100 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	004-16070-00
Street Address	445 W CEDAR BLUFF RD
City	BLOOMINGTON
State	IN
Zip	47403-9436
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	PT NW SE 17-7-1W .81A
Jurisdiction	MONROE IN
Township / Civil Division	CLEAR CREEK
Census Block Group	1
Census Block	1016
Census Tract	1502

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	445 W CEDAR BLUFF RD, BLOOMINGTON, IN 47403-9436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 22, 2019	Intrafamily Transfer, Transfer · FHA Mortgage FLANAGAN STATE BANK
Oct 30, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2019 · Amount on Record
Deed Sale	Apr 22, 2019 · Amount on Record
Prior Sale	Oct 30, 2017 · Amount on Record
Deed Document Number	20195134
Prior Transfer Date	Apr 8, 2019
Prior Transfer Doc	2019005134
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	445 W CEDAR BLUFF RD, BLOOMINGTON, IN 47403-9436
Transaction Type	Mortgage
Record Updated	Jun 12, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1201 GLORY WAY BLVD 12, 12, BRADENTON, FL 34212-3007

Mortgage

Document Number	2021002566
Date	Feb 8, 2021
Instrument	2021002566

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	May 1, 2049

April 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IN
Recording Date	Apr 22, 2019
Property Address	445 W CEDAR BLUFF RD, BLOOMINGTON, IN 47403-9436
Document Number	2019005134
Instrument Date	Apr 8, 2019
Instrument	2019005134
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	CLASSIC FL TITLE INC, CLASSIC TITLE INC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 W CEDAR BLUFF RD, BLOOMINGTON, IN 47403-9436

Mortgage

Document Number	2019005136
Date	Apr 22, 2019
Instrument	2019005136

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IN
Recording Date	Oct 30, 2017
Property Address	445 W CEDAR BLUFF RD, BLOOMINGTON, IN 47403-9436
Document Number	2017015215
Instrument Date	Oct 27, 2017
Instrument	2017015215
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 W CEDAR BLUFF RD, BLOOMINGTON, IN 47403-9436

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Monroe County
County Subdivision	Clear Creek Township
Unified School District	Monroe County Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,745.00 (+11.09%)	$184,200 (+17.03%) Land $47,800 Building $136,400	$184,200 (+17.03%) Land $47,800 Building $136,400
2024	$2,471.00 (+17.33%)
2023		$157,400 (+10.69%) Land $38,200 Building $119,200	$157,400 (+10.69%) Land $38,200 Building $119,200
2022	$2,106.00	$142,200 Land $23,900 Building $118,300	$142,200 Land $23,900 Building $118,300

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 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	SOUTHERN MONROE WATER AUTHORITY private · serves 8,877 people · EPA ID IN5253007
Water Source	Purchased surface water from CITY OF BLOOMINGTON UTILITIES
Last State Inspection	Feb 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	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. 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)
Xfinity Cable	1,200 / 35
Smithville Communications Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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