4545 S Cardinal Dr, Bloomington, IN 47403 Property Records

Monroe County property record for 4545 S Cardinal Dr, Bloomington, IN 47403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,388 sqft · built 1966
Lot Size	1.82 acres (79,541 sqft)
Owner	Individual Name on File
Last Sale	$299,000 (May 2023)
Tax Bill	$2,156 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit May 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-23600-00`

Property Details

APN / Parcel Number

Primary APN	`016-23600-00`
Alternative APN	`53-09-21-301-020.000-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,388 sqft Living Area
1st Floor Area	1,388 sqft
Basement Area	648 sqft
Finished Basement	408 sqft
Unfinished Basement	648 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2012
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Metal
Lot Area	79,541 sqft (1.82 acres)
Garage Type	Carport
Garage Area	544 sqft
Carport	Carport
Carport Area	544 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	016-23600-00
Street Address	4545 S CARDINAL DR
City	BLOOMINGTON
State	IN
Zip	47403-9207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	HILLS & DALES LOTS 30-32
Legal Subdivision	HILLS & DALES SUB
Legal Lot Number	30
Jurisdiction	MONROE IN
Township / Civil Division	VAN BUREN
Census Block Group	3
Census Block	3001
Census Tract	1200

Owner

4545 S Cardinal Dr is owned and occupied by an individual who bought it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	4545 S CARDINAL DR, BLOOMINGTON, IN 47403-9207
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
Feb 22, 2022	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
May 2, 2023	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK NA
May 23, 2023	Warranty Deed, Transfer · FHA Mortgage MILESTONE HOME LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2023 · Amount on File
Deed Sale	May 23, 2023 · Amount on File
Prior Sale	Apr 22, 2015
Deed Document Number	202349039
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	4545 S CARDINAL DR, BLOOMINGTON, IN 47403-9207
Transaction Type	Mortgage
Record Updated	Jun 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022002940
Date	Feb 22, 2022
Instrument	2022002940

Lender

Name	NORTHWEST BANK
Type	Bank
Address	WARREN, PA 16365

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 18, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	4545 S CARDINAL DR, BLOOMINGTON, IN 47403-9207
Transaction Type	Mortgage
Record Updated	Jun 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4545 S CARDINAL DR, BLOOMINGTON, IN 47403-9207

Mortgage

Document Number	2023004558
Date	May 2, 2023
Instrument	2023004558

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank
Address	TERRE HAUTE, IN 47802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Apr 28, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	May 23, 2023
Property Address	4545 S CARDINAL DR, BLOOMINGTON, IN 47403-9207
Document Number	2023005524
Map Reference	CAB B ENV 176
Instrument Date	May 22, 2023
Instrument	2023005524
Transaction Type	Transfer
Record Updated	Jun 23, 2023

Transaction

Amount	Amount on Record
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
Relationship	Tenants in Common
Address	4545 S CARDINAL DR, BLOOMINGTON, IN 47403-9207

Mortgage

Document Number	2023005525
Date	May 23, 2023
Instrument	2023005525

Lender

Name	MILESTONE HOME LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 4545 S Cardinal Dr was $2,156, down 4.6% 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	Van Buren Township
Unified School District	Monroe County Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,156.00 (-4.6%)	$297,600 Land $54,100 Building $243,500	$297,600 Land $54,100 Building $243,500
2024	$2,260.00
2023		$153,200 (+14.93%) Land $43,300 Building $109,900	$153,200 (+14.93%) Land $43,300 Building $109,900
2022	$1,323.00	$133,300 Land $34,100 Building $99,200	$133,300 Land $34,100 Building $99,200

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 4545 S Cardinal Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.

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	2 in force
Nearby Flood Claims	2 (1996)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 1996 · rainfall accumulation

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 4545 S Cardinal 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	VAN BUREN WATER, INC. serves 6,670 people · EPA ID IN5253008
Water Source	Purchased surface water from CITY OF BLOOMINGTON UTILITIES
Last State Inspection	Jan 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Aug 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 42 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

May also be available: Verizon.

Cell Coverage

4G LTE only, no 5G reported

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