138 E 375 S, Cutler, IN 46920 Property Records

Carroll County property record for 138 E 375 S, Cutler, IN 46920

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 3,465 sqft · built 1996
Lot Size	5.01 acres (218,584 sqft)
Owner	Individual Name on Record
Last Sale	$371,900 (Aug 2020)
Tax Bill	$2,296 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-10-27-000-027.000-008`

Property Details

APN / Parcel Number

Primary APN	`08-10-27-000-027.000-008`
Alternative APNs	`01897020647` `0060402700`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,465 sqft Living Area
1st Floor Area	3,960 sqft
Basement Area	1,980 sqft
Finished Basement	1,485 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Construction Type	Wood
Roof Material	Asphalt
Lot Area	218,584 sqft (5.01 acres)
Garage Type	Attached
Garage Area	834 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	01897020647
Street Address	138 E 375 S
City	CUTLER
State	IN
Zip	46920-9373
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R33
Legal Description	006-04027-00 PT SW 27-24-1 5.018 AC
Jurisdiction	CARROLL IN
Township / Civil Division	DEMOCRAT
Census Block Group	2
Census Block	2040
Census Tract	959900

Owner

Source: Carroll 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	138 E 375 S, CUTLER, IN 46920-9373
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
Aug 10, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST FARMERS BANK & TRUST
May 4, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2020 · Amount on Record
Deed Sale	Aug 10, 2020 · Amount on Record
Prior Sale	May 4, 2020
Deed Document Number	20202582
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	138 E 375 S, CUTLER, IN 46920-9373
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 E 375 S, CUTLER, IN 46920-9373

Mortgage

Document Number	2026000831
Date	Mar 25, 2026
Instrument	2026000831

Lender

Name	HORIZON BANK
Type	Bank
Address	515 FRANKLIN ST, MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Apr 17, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL IN
Recording Date	Aug 10, 2020
Property Address	138 E 375 S, CUTLER, IN 46920-9373
Document Number	2020002582
Instrument Date	Aug 10, 2020
Instrument	2020002582
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	COLUMBIA TITLE, COLUMBIA TITLE INC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 E 375 S, CUTLER, IN 46920-9373

Mortgage

Document Number	2020002583
Date	Aug 10, 2020
Instrument	2020002583

Lender

Name	FIRST FARMERS BANK & TRUST
Type	Bank

Agreement

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

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARROLL IN
Recording Date	May 4, 2020
Property Address	138 E 375 S, CUTLER, IN 46920-9373
Document Number	2020001277
Instrument Date	Apr 27, 2020
Instrument	2020001277
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2055 W 1505, FLORA, IN 46929

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Carroll County
County Subdivision	Democrat Township
Unified School District	Carroll Consolidated School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,296.00 (+3.19%) Homeowner's exemption	$475,600 (+38.3%) Land $53,100 Building $422,500	$475,600 (+38.3%) Land $53,100 Building $422,500
2024	$2,225.00 (+10.7%)
2023		$343,900 (+6.37%) Land $49,000 Building $294,900	$343,900 (+6.37%) Land $49,000 Building $294,900
2022	$2,010.00	$323,300 Land $49,000 Building $274,300	$323,300 Land $49,000 Building $274,300

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 May 7, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (2003–2013)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Apr 2013 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jul 2003 · 2 claims

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mulberry Cooperative Telephone Company Fiber	1,000 / 1,000
On-Ramp Indiana Fixed Wireless	200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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