Yep - that's about right. These bacteria process solid waste rather than nitrogenous waste - fish poop, dead bodies and dead plants. These bacteria usually live on surfaces out in the open in the tank (rather than high flow areas in the filter like nitrifying bacteria) as part of the biofilm - they're an important part of the tank ecosystem in this regard, but they aren't the nitrifiers. They do release ammonia when they break down matter, Which is why the bloom may cause an ammonia spike, rather than being a result of one (this is a detail it took me a while to really understand - the cause and effect is easy to reverse, as bacteria blooms are often accompanied by an ammonia spike, and with all the dangers of ammonia that cycling info drums into you, it's tempting to blame ammonia for everything.)
If you stir up gravel and notice any gunk floating around, you can do what I do - do a second smaller water change, and instead of cleaning the gravel, use the siphon to suck the floaties up. I do occasionally get a slight cloudiness if I move a large piece of decor or a lot of plants around, usually not really cloudy water, but if I look through it end-ways it's definitely slightly white.