Wells County property record for 2097 E 400 N, Ossian, IN 46777
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 2,208 sqft · built 2023 |
| Lot Size | 13 acres (566,280 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,967 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Dec 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 90-05-09-300-008.000-010 |
| Primary APN | 90-05-09-300-008.000-010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,208 sqft Living Area |
| 1st Floor Area | 2,208 sqft |
| Attic | Attic |
| Attic Area | 416 sqft |
| Basement Area | 208 sqft |
| Unfinished Basement | 208 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 566,280 sqft (13 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 724 sqft |
| Parking Spaces | 3 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 00001573374 |
|---|---|
| Street Address | 2097 E 400 N |
| City | OSSIAN |
| State | IN |
| Zip | 46777-9661 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 09-27-12 13.000A E 625.49' OF W 884.58' OF S 905.34' W/2 SW |
| Jurisdiction | WELLS IN |
| Township / Civil Division | LANCASTER |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 40300 |
Source: Wells County records, as of October 9, 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 | 2097 E 400 N, OSSIAN, IN 46777-9661 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2026 | Deed of Trust, Mortgage · Line of Credit FIRSTBANK OF NE |
| Dec 16, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST BANK BERNIE |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WELLS IN |
| Recording Date | Apr 22, 2026 |
| Property Address | 2097 E 400 N, OSSIAN, IN 46777-9661 |
| Document Number | 0000001387 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 20261387 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2097 E 400 N, OSSIAN, IN 46777-9661 |
| Document Number | 0000001387, |
|---|---|
| Date | Apr 22, 2026 |
| Instrument | 20261387 |
| Name | FIRSTBANK OF NE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 25, 2041 |
| Rate | 5.54% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WELLS IN |
| Property Address | 2097 E 400 N, OSSIAN, IN 46777-9661 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0020225154 |
|---|---|
| Date | Dec 16, 2022 |
| Instrument | 20225154 |
| Name | FIRST BANK BERNIE |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 23, 2042 |
| Rate Type | Adjustable Rate |
|---|
Source: Wells County assessment roll, as of June 26, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Wells County |
| County Subdivision | Lancaster Township |
| Unified School District | Northern Wells Community Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,967.00 (-6.14%) Homeowner's exemption | $419,600 (+142.4%) Land $52,800 Building $366,800 | $419,600 (+142.4%) Land $52,800 Building $366,800 |
| 2024 | $3,161.00 (+293.65%) | ||
| 2023 | $173,100 (+19.71%) Land $44,500 Building $128,600 | $173,100 (+19.71%) Land $44,500 Building $128,600 | |
| 2022 | $803.00 | $144,600 Land $33,300 Building $111,300 | $144,600 Land $33,300 Building $111,300 |
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 30, 2016 · 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
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: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TWN Communications Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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