820 S Adams St, Bloomington, IN 47403 Property Records

Monroe County property record for 820 S Adams St, Bloomington, IN 47403

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 946 sqft · built 1899
Lot Size	0.5 acres (21,780 sqft)
Owner	Company Name on Record
Last Sale	$160,000 (Nov 2024)
Tax Bill	$4,945 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`015-20505-00`

Property Details

APN / Parcel Number

Primary APN	`015-20505-00`
Alternative APN	`53-08-05-300-012.000-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	946 sqft Living Area
1st Floor Area	946 sqft
Basement Area	784 sqft
Unfinished Basement	784 sqft

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1999
Construction Type	Wood
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Terrain	High
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	015-20505-00
Street Address	820 S ADAMS ST
City	BLOOMINGTON
State	IN
Zip	47403-2170
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	015-20505-00 SEMINARY PT LOT 173 (PLAT 173K)
Legal Lot Number	173
Jurisdiction	MONROE IN
Township / Civil Division	PERRY
Census Block Group	1
Census Block	1032
Census Tract	401

Owner

Source: Monroe County records, as of October 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	820 S ADAMS ST, BLOOMINGTON, IN 47403-2170
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage JACKSON COUNTY BANK
Jul 17, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JACKSON COUNTY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2024 · Amount on Record
Deed Sale	Nov 27, 2024 · Amount on Record
Prior Sale	Jul 17, 2020 · Amount on Record
Deed Document Number	202452624
Prior Transfer Date	Sep 22, 2009
Prior Transfer Doc	2009018556
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IN
Property Address	820 S ADAMS ST, BLOOMINGTON, IN 47403-2170
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020010961
Date	Jul 17, 2020
Instrument	2020010961

Lender

Name	JACKSON COUNTY BANK
Type	Bank
Address	SEYMOUR, IN 47274

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

July 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IN
Recording Date	Jul 17, 2020
Property Address	820 S ADAMS ST, BLOOMINGTON, IN 47403-2170
Document Number	2020010960
Instrument Date	Jul 16, 2020
Instrument	2020010960
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 67, BLOOMINGTON, IN 47402-0067

Mortgage

Document Number	2020010961
Date	Jul 17, 2020
Instrument	2020010961

Lender

Name	JACKSON COUNTY BANK
Type	Bank
Address	SEYMOUR, IN 47274

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

Tax Assessment & Valuation

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	$4,945.00 (+53.76%)	$160,700 (-11.56%) Land $37,500 Building $123,200	$160,700 (-11.56%) Land $37,500 Building $123,200
2024	$3,216.00 (-49.27%)
2023		$181,700 (+8.87%) Land $33,800 Building $147,900	$181,700 (+8.87%) Land $33,800 Building $147,900
2022	$6,339.00	$166,900 Land $33,800 Building $133,100	$166,900 Land $33,800 Building $133,100

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

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

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 265 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Smithville Communications.

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