610 E Atwater Ave, Bloomington, IN 47401 Property Records

Monroe County property record for 610 E Atwater Ave, Bloomington, IN 47401

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 954 sqft · built 1920
Lot Size	0.09 acres (3,920 sqft)
Owner	Trust Name on File
Tax Bill	$6,041 (2025)
Deeds & Mortgages	Jul 2017 Construction Loan Jan 2005 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`015-19670-00`

Property Details

APN / Parcel Number

Primary APN	`015-19670-00`
Alternative APN	`53-08-04-105-008.000-009`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	954 sqft Living Area
1st Floor Area	954 sqft
Basement Area	792 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2008
Construction Type	Wood
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	67 ft deep x 56 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	015-19670-00
Street Address	610 E ATWATER AVE
City	BLOOMINGTON
State	IN
Zip	47401-3632
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIV HGTS PT (E 39') LOT 18
Legal Subdivision	UNIVERSITY HEIGHTS ADDITION
Legal Lot Number	18
Jurisdiction	MONROE IN
Township / Civil Division	PERRY
Census Block Group	3
Census Block	3003
Census Tract	301

Owner

610 E Atwater Ave is held in a trust since December 2012.

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

Owner of Record	Trust Name on File
Mailing Address	940 N WALNUT ST, BLOOMINGTON, IN 47404-3525
Owner Type	Company
Vesting	Trust, Revocable Trust

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 · Construction Mortgage OLD NATIONAL BANK
Jan 14, 2005	Deed of Trust, Mortgage · Line of Credit MONROE BANK
May 2, 2012	Deed of Trust, Mortgage · Line of Credit OLD NATIONAL BANK
Dec 20, 2012	Warranty Deed, Transfer
Jun 30, 2005	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2012
Deed Sale	Dec 20, 2012
Deed Document Number	201221491
Prior Transfer Date	Dec 19, 2012
Prior Transfer Doc	2012021491
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	610 E ATWATER AVE, BLOOMINGTON, IN 47401-3632
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017009685
Date	Jul 14, 2017
Instrument	2017009685

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	BLOOMINGTON, IN 47408

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 3, 2018

Interest

Rate Type	Adjustable Rate

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	610 E ATWATER AVE, BLOOMINGTON, IN 47401-3632
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2005000893
Date	Jan 14, 2005
Instrument	2005000893

Lender

Name	MONROE BANK
Address	BLOOMINGTON, IN 47408

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	61 Months
Due	Jan 31, 2010

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	610 E ATWATER AVE, BLOOMINGTON, IN 47401-3632
Transaction Type	Mortgage
Record Updated	Jun 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012006781
Date	May 2, 2012
Instrument	2012006781

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	BLOOMINGTON, IN 47408

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	59 Months
Due	Apr 27, 2017

Interest

Rate Type	Adjustable Rate

December 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Dec 20, 2012
Property Address	610 E ATWATER AVE, BLOOMINGTON, IN 47401-3632
Document Number	2012021491
Instrument Date	Dec 19, 2012
Instrument	2012021491
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	940 N WALNUT ST, BLOOMINGTON, IN 47404-3525

June 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Jun 30, 2005
Property Address	610 E ATWATER AVE, BLOOMINGTON, IN 47401-3632
Document Number	2005012227
Instrument Date	Jun 8, 2005
Instrument	2005012227
Transaction Type	Transfer
Record Updated	Jun 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 N WALNUT ST, BLOOMINGTON, IN 47404-3525
Mail Care Of	ELKINS APARTMENTS
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 610 E Atwater Ave was $6,041, down 3.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Indiana
Municipality	Bloomington City
County	Monroe County
County Subdivision	Perry Township
Unified School District	Monroe County Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,041.00 (-3.44%)	$305,600 Land $63,600 Building $242,000	$305,600 Land $63,600 Building $242,000
2024	$6,256.00
2023		$305,800 (+12.3%) Land $63,600 Building $242,200	$305,800 (+12.3%) Land $63,600 Building $242,200
2022	$5,513.00	$272,300 Land $55,300 Building $217,000	$272,300 Land $55,300 Building $217,000

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

Flood

FEMA maps place 610 E Atwater Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 17, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 610 E Atwater Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	CITY OF BLOOMINGTON UTILITIES serves 83,000 people · EPA ID IN5253002
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Aug 2024
Treatment and Procedure	Corrosion control Jan 2018
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 456 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GigabitNow, Smithville Communications, Xiber.

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