5530 S Harmony Rd, Bloomington, IN 47403 Property Records

Monroe County property record for 5530 S Harmony Rd, Bloomington, IN 47403

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,408 sqft · built 1961
Lot Size	3.3 acres (144,184 sqft)
Owner	Individual Name on File
Tax Bill	$4,417 (2024)
Deeds & Mortgages	Dec 2023 Mortgage Sep 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-27620-00`

Property Details

APN / Parcel Number

Primary APN	`016-27620-00`
Alternative APNs	`53-09-28-300-222.000-015` `53-09-28-300-008.000-015` `016-27621-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,408 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1981
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	144,184 sqft (3.3 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	3,176 sqft
Parking Spaces	11 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	016-27621-00
Street Address	5530 S HARMONY RD
City	BLOOMINGTON
State	IN
Zip	47403-9526
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	016-27621-00 STURGEON TYPE E TRACT 2
Legal Range	02W
Legal Township	08
Legal Section	28
Legal Tract	2
Jurisdiction	MONROE IN
Township / Civil Division	VAN BUREN
Census Block Group	3
Census Block	3011
Census Tract	1200

Owner

5530 S Harmony Rd, a rural home, is owned and occupied by an individual who acquired it in December 2023.

Source: Monroe County records, as of February 19, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5530 S HARMONY RD, BLOOMINGTON, IN 47403-9526
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
Dec 5, 2023	Deed, Transfer · Conventional Mortgage OWEN COUNTY STATE BANK
Sep 25, 2023	Intrafamily Transfer, Transfer
Sep 25, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2023
Deed Sale	Dec 5, 2023
Prior Sale	Sep 25, 2023
Deed Document Number	2023013930
Record Updated	Jun 8, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IN
Recording Date	Dec 5, 2023
Property Address	5530 S HARMONY RD, BLOOMINGTON, IN 47403-9526
Document Number	2023013930
Instrument Date	Dec 1, 2023
Instrument	2023013930
Transaction Type	Transfer
Record Updated	Jan 19, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5530 S HARMONY RD, BLOOMINGTON, IN 47403-9526

Mortgage

Document Number	2023013931
Date	Dec 5, 2023
Instrument	2023013931

Lender

Name	OWEN COUNTY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Min Rate At Change	7.75%
Max Rate At Change	9.75%
Index	3-Year CMT
Max Rate	13.7%

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IN
Recording Date	Sep 25, 2023
Property Address	5530 S HARMONY RD, BLOOMINGTON, IN 47403-9526
Document Number	2023011395
Instrument Date	Sep 11, 2023
Instrument	2023011395
Transaction Type	Transfer
Record Updated	Oct 23, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	751 W THORNRIDGE WAY, SPENCER, IN 47460-7168

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IN
Recording Date	Sep 25, 2023
Property Address	5530 S HARMONY RD, BLOOMINGTON, IN 47403-9526
Document Number	2023011395
Instrument Date	Sep 11, 2023
Instrument	2023011395
Transaction Type	Transfer
Record Updated	Jan 19, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	751 WTHORNRIDGE WAY, SPENCER, IN 47460

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

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		$206,000 Land $54,700 Building $151,300	$206,000 Land $54,700 Building $151,300
2024	$4,417.00
2023		$195,700 (+8.78%) Land $58,000 Building $137,700	$195,700 (+8.78%) Land $58,000 Building $137,700
2022	$1,447.00 (+1.05%)	$179,900 Land $54,200 Building $125,700	$179,900 Land $54,200 Building $125,700
2021	$1,432.00

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

Flood

FEMA maps place 5530 S Harmony Rd 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 5530 S Harmony 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	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 14 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

5G and 4G LTE (outdoors only)

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