109 E High St, Garrett, IN 46738 Property Records

DeKalb County property record for 109 E High St, Garrett, IN 46738

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,028 sqft · built 1975
Lot Size	0.155 acres (6,752 sqft)
Owner	Individual Name on Record
Last Sale	$104,200 (Jul 2019)
Tax Bill	$865 (2025)
Deeds & Mortgages	Sep 2017 Line of Credit Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-05-34-351-003.000-013`

Property Details

APN / Parcel Number

Primary APN	`17-05-34-351-003.000-013`
Alternative APN	`260534351003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,028 sqft Living Area
1st Floor Area	1,028 sqft
Basement Area	257 sqft
Unfinished Basement	257 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Metal
Lot Area	6,752 sqft (0.155 acres)
Lot Dimensions	125 ft deep x 54 ft wide
Garage Type	Detached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	260534351003
Street Address	109 E HIGH ST
City	GARRETT
State	IN
Zip	46738-1037
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OZMUNS FIRST ADD ( IN BLK 51/2) LOT 3 BLOCK 5
Legal Subdivision	OZMAN'S FIRST ADDITION
Legal Block	5
Legal Lot Number	3
Jurisdiction	DE KALB IN
Township / Civil Division	KEYSER
Census Block Group	3
Census Block	3039
Census Tract	20602

Owner

Source: DeKalb County records, as of June 19, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	109 E HIGH ST, GARRETT, IN 46738-1037
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2017	Deed of Trust, Mortgage · Line of Credit THREE RIVERS FCU
Jul 10, 2019	Warranty Deed, Transfer · Conventional Mortgage HALLMARK HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2019 · Amount on Record
Deed Sale	Jul 10, 2019 · Amount on Record
Prior Sale	Sep 6, 2006 · Amount on Record
Deed Document Number	20193123
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	109 E HIGH ST, GARRETT, IN 46738-1037
Transaction Type	Mortgage
Record Updated	Aug 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201705360
Date	Sep 28, 2017
Instrument	201705360

Lender

Name	THREE RIVERS FCU
Type	Credit Union
Address	FORT WAYNE, IN 46801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Jul 10, 2019
Property Address	109 E HIGH ST, GARRETT, IN 46738-1037
Document Number	0201903123
Map Reference	MB 3 PG 100
Instrument Date	Jul 8, 2019
Instrument	201903123
Transaction Type	Transfer
Record Updated	Aug 8, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E HIGH ST, GARRETT, IN 46738-1037

Mortgage

Document Number	0201903124
Date	Jul 10, 2019
Instrument	201903124

Lender

Name	HALLMARK HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: DeKalb County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	DeKalb County
County Subdivision	Keyser Township
Municipality	Garrett City
Unified School District	Garrett-Keyser-Butler Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$865.00 (+18.17%)	$129,600 (+17.29%) Land $29,200 Building $100,400	$129,600 (+17.29%) Land $29,200 Building $100,400
2024	$732.00 (+29.33%)	$110,500 (+12.99%) Land $27,300 Building $83,200	$110,500 (+12.99%) Land $27,300 Building $83,200
2023	$566.00 (-21.28%)	$97,800 (+1.14%) Land $23,800 Building $74,000	$97,800 (+1.14%) Land $23,800 Building $74,000
2022	$719.00	$96,700 Land $23,100 Building $73,600	$96,700 Land $23,100 Building $73,600

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 July 27, 2018

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	GARRETT WATER UTILITY serves 6,390 people · EPA ID IN5217004
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 332 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Auburn Essential Services Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
MetaLINK Technologies Fixed Wireless	200 / 50
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless	100 / 20

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