Monroe County property record for 684 S Smith Rd, Bloomington, IN 47401
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5.5 ba · 3,392 sqft · built 2003 |
| Lot Size | 0.75 acres (32,670 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $634,900 (May 2022) |
| Tax Bill | $6,665 (2025) |
| Deeds & Mortgages | Dec 2016 Mortgage Dec 2025 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-21210-00 |
| Primary APN | 015-21210-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 21 Plumbing Fixtures |
| Total Rooms | 17 Rooms |
| Stories | 2 Stories |
| Building Area | 3,392 sqft Living Area |
| 1st Floor Area | 3,392 sqft |
| Basement Area | 648 sqft |
| Finished Basement | 648 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 32,670 sqft (0.75 acres) |
| Garage Type | Attached |
| Garage Area | 960 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 015-21210-00 |
|---|---|
| Street Address | 684 S SMITH RD |
| City | BLOOMINGTON |
| State | IN |
| Zip | 47401-8686 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOOSIER ACRES 6TH LOT 132 |
| Legal Subdivision | HOOSIER ACRES SIXTH ADD |
| Legal Lot Number | 132 |
| Jurisdiction | MONROE IN |
| Township / Civil Division | PERRY |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 904 |
Source: Monroe County records, as of June 22, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 684 S SMITH RD, BLOOMINGTON, IN 47401-8686 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 7, 2016 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Dec 9, 2025 | Warranty Deed, Transfer ENTERPRISE TITLE |
| May 31, 2022 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Feb 9, 2018 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2022 · Amount on Record |
| Deed Sale | May 31, 2022 · Amount on Record |
| Prior Sale | Feb 9, 2018 · Amount on Record |
| Deed Document Number | 202246391 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IN |
| Property Address | 684 S SMITH RD, BLOOMINGTON, IN 47401-8686 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 2016016907 |
|---|---|
| Date | Dec 7, 2016 |
| Instrument | 2016016907 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46825 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 1, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IN |
| Recording Date | Dec 9, 2025 |
| Property Address | 684 S SMITH RD, BLOOMINGTON, IN 47401-8686 |
| Document Number | 2025013880 |
| Map Reference | CAB B ENV 119 |
| Instrument Date | Dec 8, 2025 |
| Instrument | 2025013880 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2026 |
| Title Company | ENTERPRISE TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 684 S SMITH RD, BLOOMINGTON, IN 47401-8686 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IN |
| Recording Date | May 31, 2022 |
| Property Address | 684 S SMITH RD, BLOOMINGTON, IN 47401-8686 |
| Document Number | 2022008203 |
| Map Reference | CAB B ENV 119 |
| Instrument Date | May 20, 2022 |
| Instrument | 2022008203 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2026 |
| 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 | 684 S SMITH RD, BLOOMINGTON, IN 47401-8686 |
| Document Number | 2022008204 |
|---|---|
| Date | May 31, 2022 |
| Instrument | 2022008204 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IN |
| Recording Date | Feb 9, 2018 |
| Property Address | 684 S SMITH RD, BLOOMINGTON, IN 47401-8686 |
| Document Number | 2018001542 |
| Map Reference | CAB B ENV 119 |
| Instrument Date | Feb 6, 2018 |
| Instrument | 2018001542 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7624 E PASEO LAREDO, ANAHEIM, CA 92808-1047 |
| Document Number | 2018001543 |
|---|---|
| Date | Feb 9, 2018 |
| Instrument | 2018001543 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2048 |
Source: Monroe County assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Indiana |
| Municipality | Bloomington City |
| County | Monroe County |
| County Subdivision | Perry Township |
| Unified School District | Monroe County Community School Corporation (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,665.00 (-7.29%) | $620,500 (-0.83%) Land $249,700 Building $370,800 | $620,500 (-0.83%) Land $249,700 Building $370,800 |
| 2024 | $7,189.00 (+35.06%) | $625,700 (+17.17%) Land $249,700 Building $376,000 | $625,700 (+17.17%) Land $249,700 Building $376,000 |
| 2023 | $534,000 (+10.65%) Land $177,800 Building $356,200 | $534,000 (+10.65%) Land $177,800 Building $356,200 | |
| 2022 | $5,323.00 | $482,600 Land $154,700 Building $327,900 | $482,600 Land $154,700 Building $327,900 |
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 Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2021 · 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.
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 362 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 · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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