2130 E 650 S, Berne, IN 46711 Property Records

Adams County property record for 2130 E 650 S, Berne, IN 46711

Property Summary

Property Type	Rural Home
Details	3 bd · 3,408 sqft · built 2013
Lot Size	2.82 acres (122,970 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Jul 2013)
Tax Bill	$3,122 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Dec 2025 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-11-01-301-004.501-017`

Property Details

APN / Parcel Number

Primary APN	`01-11-01-301-004.501-017`
Alternative APNs	`01519000004792` `01404392457`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,408 sqft Living Area
1st Floor Area	3,408 sqft
Basement Area	1,728 sqft
Unfinished Basement	1,728 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2014
Construction Type	Wood
Roof Material	Metal
Lot Area	122,970 sqft (2.82 acres)

Utilities, Heating & Cooling

Heating System	Other

Location & Zoning

Account Number	01404392457
Street Address	2130 E 650 S
City	BERNE
State	IN
Zip	46711-9597
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SAM F SCHWARTZ SUBD LOT 1 (2.823A)
Legal Subdivision	SAM F SCHWARTZ SUB
Legal Lot Number	1
Jurisdiction	ADAMS IN
Township / Civil Division	WABASH
Census Block Group	5
Census Block	5019
Census Tract	30700

Owner

2130 E 650 S, a rural home, is owned and occupied by an individual who bought it in July 2013.

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

Owner of Record	Individual Name on File
Mailing Address	2228 E 650 S, BERNE, IN 46711-9423
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Deed of Trust, Mortgage · Conventional Mortgage THE FARMERS & MERCHANTS STATE BANK
Dec 5, 2025	Intrafamily Transfer, Transfer
Jan 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST BANK OF BERNE
Dec 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MERCER SAVINGS BANK
Jul 8, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST BANK OF BERNE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2013 · Amount on File
Deed Sale	Jul 12, 2013 · Amount on File
Deed Document Number	20132962
Prior Transfer Date	Jul 6, 2013
Prior Transfer Doc	2013002962
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	2130 E 650 S, BERNE, IN 46711-9597
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2130 E 650 S, BERNE, IN 46711-9597

Mortgage

Document Number	2025004529
Date	Nov 19, 2025
Instrument	2025004529

Lender

Name	THE FARMERS & MERCHANTS STATE BANK
Type	Bank
Address	ARCHBOLD, OH 43502

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	12.5%

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ADAMS IN
Recording Date	Dec 5, 2025
Property Address	2130 E 650 S, BERNE, IN 46711-9597
Document Number	2025004815
Instrument Date	Dec 4, 2025
Instrument	2025004815
Transaction Type	Transfer
Record Updated	Dec 30, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2130 E 650 S, BERNE, IN 46711-9597

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	2130 E 650 S, BERNE, IN 46711-9597
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021000111
Date	Jan 7, 2021
Instrument	2021000111

Lender

Name	FIRST BANK OF BERNE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	2130 E 650 S, BERNE, IN 46711-9597
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019004928
Date	Dec 13, 2019
Instrument	2019004928

Lender

Name	MERCER SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2051

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	2130 E 650 S, BERNE, IN 46711-9597
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022003029
Date	Jul 8, 2022
Instrument	2022003029

Lender

Name	FIRST BANK OF BERNE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 2130 E 650 S was $3,122 with a homeowner's exemption, up 16.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Indiana
County	Adams County
County Subdivision	Wabash Township
Unified School District	South Adams Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,122.00 (+16.15%) Homeowner's exemption	$373,100 Land $23,400 Building $349,700	$373,100 Land $23,400 Building $349,700
2024	$2,688.00 (+13.66%)
2023	$2,365.00 (+4.05%)	$256,700 (+0.27%) Land $23,100 Building $233,600	$256,700 (+0.27%) Land $23,100 Building $233,600
2022	$2,273.00	$256,000 Land $22,600 Building $233,400	$256,000 Land $22,600 Building $233,400
2020	$1,936.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2130 E 650 S in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective November 19, 2014 · 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
Nearby Flood Claims	2 (2003–2011)
Most Recent Claim	Feb 2011 · river or lake flooding

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

Wildfire risk around 2130 E 650 S is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 73% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20
Watch TV Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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