Monroe County property record for 631 W Clover Ter, Bloomington, IN 47404
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,132 sqft · built 1965 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $260,000 (Apr 2021) |
| Tax Bill | $2,886 (2025) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 013-19040-00 |
| Primary APN | 013-19040-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,132 sqft Living Area |
| 1st Floor Area | 2,132 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1985 |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 013-19040-00 |
|---|---|
| Street Address | 631 W CLOVER TER |
| City | BLOOMINGTON |
| State | IN |
| Zip | 47404-1810 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CASCADE ADD LOT 87 |
| Legal Subdivision | CASCADE ADDITION |
| Legal Lot Number | 87 |
| Jurisdiction | MONROE IN |
| Township / Civil Division | BLOOMINGTON |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 801 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Cascades Park listed 2024 · 50 contributing resources · NRIS 100010743 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 631 W CLOVER TER, BLOOMINGTON, IN 47404-1810 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 7, 2021 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Oct 8, 2019 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 7, 2021 · Amount on Record |
| Deed Sale | Apr 7, 2021 · Amount on Record |
| Prior Sale | Oct 8, 2019 · Amount on Record |
| Deed Document Number | 20216669 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IN |
| Recording Date | Apr 7, 2021 |
| Property Address | 631 W CLOVER TER, BLOOMINGTON, IN 47404-1810 |
| Document Number | 2021006669 |
| Map Reference | CAB B ENV 78 |
| Instrument Date | Mar 30, 2021 |
| Instrument | 2021006669 |
| Transaction Type | Transfer |
| Record Updated | Feb 14, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 631 W CLOVER TER, BLOOMINGTON, IN 47404-1810 |
| Document Number | 2021006670 |
|---|---|
| Date | Apr 7, 2021 |
| Instrument | 2021006670 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IN |
| Recording Date | Oct 8, 2019 |
| Property Address | 631 W CLOVER TER, BLOOMINGTON, IN 47404-1810 |
| Document Number | 2019014716 |
| Map Reference | CAB B ENV 78 |
| Instrument Date | Sep 30, 2019 |
| Instrument | 2019014716 |
| Transaction Type | Transfer |
| Record Updated | Feb 14, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 631 W CLOVER TER, BLOOMINGTON, IN 47404-1810 |
| Document Number | 2019014718 |
|---|---|
| Date | Oct 8, 2019 |
| Instrument | 2019014718 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
Source: Monroe County assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Indiana |
| Municipality | Bloomington City |
| County | Monroe County |
| County Subdivision | Bloomington Township |
| Unified School District | Monroe County Community School Corporation (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,886.00 (-10.09%) | $307,400 (+5.78%) Land $52,600 Building $254,800 | $307,400 (+5.78%) Land $52,600 Building $254,800 |
| 2024 | $3,210.00 (+19.91%) | ||
| 2023 | $290,600 (+12.2%) Land $50,600 Building $240,000 | $290,600 (+12.2%) Land $50,600 Building $240,000 | |
| 2022 | $2,677.00 | $259,000 Land $44,000 Building $215,000 | $259,000 Land $44,000 Building $215,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GigabitNow Fiber | 10,000 / 10,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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