6440 E State Rd 45, Bloomington, IN 47408 Property Records

Monroe County property record for 6440 E State Rd 45, Bloomington, IN 47408

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,064 sqft · built 2005
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$358,500 (Sep 2019)
Tax Bill	$2,375 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`003-11020-01`

Property Details

APN / Parcel Number

Primary APN	`003-11020-01`
Alternative APN	`53-06-18-100-018.000-003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,064 sqft Living Area
1st Floor Area	2,064 sqft
Basement Area	2,064 sqft
Unfinished Basement	2,064 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	003-11020-01
Street Address	6440 E STATE ROAD 45
City	BLOOMINGTON
State	IN
Zip	47408-9222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR
Legal Description	PT SW NE 18-9-1E 1.00A
Jurisdiction	MONROE IN
Township / Civil Division	BENTON
Census Block Group	1
Census Block	1000
Census Tract	1403

Owner

6440 E State Rd 45 is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	6440 E STATE ROAD 45, BLOOMINGTON, IN 47408-9222
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
Sep 23, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Aug 30, 2019	Intrafamily Transfer, Transfer · VA Mortgage THE FEDERAL SAVINGS BANK
Sep 4, 2019	Intrafamily Transfer, Transfer
Nov 13, 2018	Deed of Trust, Mortgage · Line of Credit THE PEOPLES STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2019 · Amount on File
Deed Sale	Sep 4, 2019 · Amount on File
Prior Sale	Aug 30, 2019 · Amount on File
Deed Document Number	201912811
Prior Transfer Date	Aug 28, 2019
Prior Transfer Doc	2019012811
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	6440 E STATE ROAD 45, BLOOMINGTON, IN 47408-9222
Transaction Type	Mortgage
Record Updated	Oct 21, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6440 E STATE ROAD 45, BLOOMINGTON, IN 47408-9222

Mortgage

Document Number	2021018359
Date	Sep 23, 2021
Instrument	2021018359

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IN
Recording Date	Aug 30, 2019
Property Address	6440 E STATE ROAD 45, BLOOMINGTON, IN 47408-9222
Document Number	2019012637
Instrument Date	Aug 28, 2019
Instrument	2019012637
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6440 E STATE ROAD 45, BLOOMINGTON, IN 47408-9222

Mortgage

Document Number	2019012638
Date	Aug 30, 2019
Instrument	2019012638

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IN
Recording Date	Sep 4, 2019
Property Address	6440 E STATE ROAD 45, BLOOMINGTON, IN 47408-9222
Document Number	2019012811
Instrument Date	Aug 28, 2019
Instrument	2019012811
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6440 E STATE ROAD 45, BLOOMINGTON, IN 47408-9222

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	6440 E STATE ROAD 45, BLOOMINGTON, IN 47408-9222
Transaction Type	Mortgage
Record Updated	Dec 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018015285
Date	Nov 13, 2018
Instrument	2018015285

Lender

Name	THE PEOPLES STATE BANK
Type	Bank
Address	ELLETTSVILLE, IN 47429

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Oct 10, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 6440 E State Rd 45 was $2,375, down 8.3% 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	Benton Township
Unified School District	Monroe County Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,375.00 (-8.27%)	$335,200 Land $52,500 Building $282,700	$335,200 Land $52,500 Building $282,700
2024	$2,589.00
2023		$310,900 (+8.86%) Land $40,000 Building $270,900	$310,900 (+8.86%) Land $40,000 Building $270,900
2022	$2,145.00	$285,600 Land $40,000 Building $245,600	$285,600 Land $40,000 Building $245,600

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

Flood

FEMA maps place 6440 E State Rd 45 in Zone X, an area of minimal flood risk.

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

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 6440 E State Rd 45 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	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	B&B WATER PROJECT, INC. private · serves 4,695 people · EPA ID IN5253001
Water Source	Purchased surface water from CITY OF BLOOMINGTON UTILITIES
Last State Inspection	May 2024
Lead	Under 1 ppb (2023–2025) 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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