642 E Northcliff Ave, Bloomington, IN 47408 Property Records

Monroe County property record for 642 E Northcliff Ave, Bloomington, IN 47408

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,840 sqft · built 1964
Lot Size	0.69 acres (30,056 sqft)
Owner	Individual on Record
Last Sale	$350,000 (Oct 2022)
Tax Bill	$3,091 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`012-04860-00`

Property Details

APN / Parcel Number

Primary APN	`012-04860-00`
Alternative APN	`53-05-16-401-020.000-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,840 sqft Living Area
1st Floor Area	1,840 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1975
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	30,056 sqft (0.69 acres)
Garage Type	Carport
Garage Area	280 sqft
Carport	Carport
Carport Area	280 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	012-04860-00
Street Address	642 E NORTHCLIFF AVE
City	BLOOMINGTON
State	IN
Zip	47408-9749
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS2
Legal Description	NORTHCLIFF PT N1/2 LOT 18
Legal Subdivision	NORTHCLIFF
Legal Lot Number	18
Jurisdiction	MONROE IN
Township / Civil Division	BLOOMINGTON
Census Block Group	2
Census Block	2009
Census Tract	700

Owner

Source: Monroe County assessment roll, 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 on Record
Mailing Address	15 TIBURON BAY DR, CORONA DEL MAR, CA 92625-1035
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2020	Deed of Trust, Mortgage · FHA Mortgage PHH MORTGAGE SERVICES CORP
Oct 28, 2022	Warranty Deed, Transfer
Feb 16, 2022	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Aug 4, 2021	Warranty Deed, Transfer · Commercial Mortgage BEDFORD FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2022 · Amount on Record
Deed Sale	Oct 28, 2022 · Amount on Record
Prior Sale	Feb 16, 2022 · Amount on Record
Deed Document Number	202247722
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	642 E NORTHCLIFF AVE, BLOOMINGTON, IN 47408-9749
Transaction Type	Mortgage
Record Updated	May 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020008019
Date	Jun 4, 2020
Instrument	2020008019

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33416

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Apr 1, 2050

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Oct 28, 2022
Property Address	642 E NORTHCLIFF AVE, BLOOMINGTON, IN 47408-9749
Document Number	2022015782
Instrument Date	Oct 24, 2022
Instrument	2022015782
Transaction Type	Transfer
Record Updated	May 22, 2023

Transaction

Amount	Amount Recorded
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
Address	15 TIBURON BAY DR, CORONA DEL MAR, CA 92625-1035

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Feb 16, 2022
Property Address	642 E NORTHCLIFF AVE, BLOOMINGTON, IN 47408-9749
Document Number	2022002713
Instrument Date	Feb 11, 2022
Instrument	2022002713
Transaction Type	Transfer
Record Updated	May 22, 2023

Transaction

Amount	Amount Recorded
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
Address	642 E NORTHCLIFF AVE, BLOOMINGTON, IN 47408-9749

Mortgage

Document Number	2022002714
Date	Feb 16, 2022
Instrument	2022002714

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Aug 4, 2021
Property Address	642 E NORTHCLIFF AVE, BLOOMINGTON, IN 47408-9749
Document Number	2021015156
Instrument Date	Aug 3, 2021
Instrument	2021015156
Transaction Type	Transfer
Record Updated	May 22, 2023

Transaction

Amount	Amount Recorded
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
Address	785 E ALEXIS WAY, BLOOMINGTON, IN 47401-9635

Mortgage

Document Number	2021015158
Date	Aug 4, 2021
Instrument	2021015158

Lender

Name	BEDFORD FSB
Type	Bank
Address	BEDFORD, IN 47421

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	9 Months
Due	May 28, 2022

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,091.00 (-0.83%)	$211,700 (+5.06%) Land $52,900 Building $158,800	$211,700 (+5.06%) Land $52,900 Building $158,800
2024	$3,117.00 (+150.97%)
2023		$201,500 (+8.86%) Land $50,900 Building $150,600	$201,500 (+8.86%) Land $50,900 Building $150,600
2022	$1,242.00	$185,100 Land $50,900 Building $134,200	$185,100 Land $50,900 Building $134,200

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	2 in force
Nearby Flood Claims	1 (1996)
Most Recent Claim	Apr 1996 · river or lake flooding

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	WASHINGTON TWP WATER AUTHORITY serves 3,825 people · EPA ID IN5253009
Water Source	Purchased surface water from CITY OF BLOOMINGTON UTILITIES
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2022–2024) 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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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