2188 E 400 N, Ossian, IN 46777 Property Records

Wells County property record for 2188 E 400 N, Ossian, IN 46777

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,112 sqft · built 1987
Lot Size	2.81 acres (122,404 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Aug 2018)
Tax Bill	$2,471 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Feb 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`90-05-16-200-013.000-010`

Property Details

APN / Parcel Number

Primary APN	`90-05-16-200-013.000-010`
Alternative APNs	`00001576159` `0050346001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,112 sqft Living Area
1st Floor Area	2,112 sqft
Basement Area	1,148 sqft
Unfinished Basement	1,148 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Material	Asphalt
Lot Area	122,404 sqft (2.81 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	642 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Shed	1 Shed
Shed Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Solar

Location & Zoning

Account Number	00001576159
Street Address	2188 E 400 N
City	OSSIAN
State	IN
Zip	46777-9661
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	16-27-12 2.810A W PT E PT N W N W
Jurisdiction	WELLS IN
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1001
Census Tract	40400

Owner

Source: Wells County records, as of June 26, 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	2188 E 400 N, OSSIAN, IN 46777-9661
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE CO INC
Feb 17, 2021	Intrafamily Transfer, Transfer
Aug 27, 2018	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2018 · Amount on Record
Deed Sale	Aug 27, 2018 · Amount on Record
Deed Document Number	20183241
Last Transfer Date	Feb 12, 2021
Transfer Doc	0000000779
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	2188 E 400 N, OSSIAN, IN 46777-9661
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020201561
Date	Apr 22, 2020
Instrument	20201561

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WELLS IN
Recording Date	Feb 17, 2021
Property Address	2188 E 400 N, OSSIAN, IN 46777-9661
Document Number	0020210779
Map Reference	DB 126 PG 63
Instrument Date	Feb 12, 2021
Instrument	20210779
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2188 E 400 N, OSSIAN, IN 46777-9661

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WELLS IN
Recording Date	Aug 27, 2018
Property Address	2188 E 400 N, OSSIAN, IN 46777-9661
Document Number	0020183241
Instrument Date	Aug 24, 2018
Instrument	20183241
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2188 E 400 N, OSSIAN, IN 46777-9661

Mortgage

Document Number	0020183242
Date	Aug 27, 2018
Instrument	20183242

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Wells County assessment roll, as of June 26, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Wells County
County Subdivision	Lancaster Township
Unified School District	Northern Wells Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,471.00 (+18.17%) Homeowner's exemption	$338,100 (+20.97%) Land $86,700 Building $251,400	$338,100 (+20.97%) Land $86,700 Building $251,400
2024	$2,091.00 (+53.75%)
2023		$279,500 (+21.26%) Land $70,400 Building $209,100	$279,500 (+21.26%) Land $70,400 Building $209,100
2022	$1,360.00	$230,500 Land $48,200 Building $182,300	$230,500 Land $48,200 Building $182,300

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 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	5 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.

Wildfire

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

Wildfire Risk	Low lower than 94% of the US · lower than 63% of Indiana
Wildfire Likelihood	Under 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 17 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

May also be available: Mediacom Xtream.

Cell Coverage

5G (outdoors only) and 4G LTE

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