2403 E Cross St, Anderson, IN 46012 Property Records

Madison County property record for 2403 E Cross St, Anderson, IN 46012

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,992 sqft · built 1963
Lot Size	0.574 acres (25,000 sqft)
Owner	Individual Name on File
Last Sale	$102,100 (Feb 2015)
Tax Bill	$1,701 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Jan 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-12-05-200-086.000-003`

Property Details

APN / Parcel Number

Primary APN	`48-12-05-200-086.000-003`
Alternative APNs	`00001132575` `183613Z`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,992 sqft Living Area
1st Floor Area	1,992 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Brick
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	25,000 sqft (0.574 acres)
Lot Dimensions	200 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	713 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	252 sqft
Patio Area	90 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Account Number	00001132575
Street Address	2403 E CROSS ST
City	ANDERSON
State	IN
Zip	46012-1911
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND HTS 0.0000ACRES STR: 00000 SECTION: PLAT: 00 IN: OUT:
Legal Subdivision	HIGHLAND HEIGHTS
Jurisdiction	MADISON IN
Township / Civil Division	ANDERSON
Census Block Group	1
Census Block	1036
Census Tract	1300

Owner

2403 E Cross St is owned and occupied by an individual who bought it in February 2015.

Source: Madison County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	2403 E CROSS ST, ANDERSON, IN 46012-1911
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
Jan 4, 2023	Deed of Trust, Mortgage · Line of Credit STAR FINANCIAL BANK
Jan 3, 2023	Deed of Trust, Mortgage · Line of Credit STAR FINANCIAL BANK
Feb 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage STAR FINANCIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2015 · Amount on File
Deed Sale	Feb 6, 2015 · Amount on File
Prior Sale	Aug 6, 2014 · Amount on File
Deed Document Number	20151569
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	2403 E CROSS ST, ANDERSON, IN 46012-1911
Transaction Type	Mortgage
Record Updated	Jan 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023R00210
Date	Jan 4, 2023
Instrument	2023R00210

Lender

Name	STAR FINANCIAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 24, 2032

Interest

Rate Type	Adjustable Rate

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	2403 E CROSS ST, ANDERSON, IN 46012-1911
Transaction Type	Mortgage
Record Updated	Jan 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023R00019
Date	Jan 3, 2023
Instrument	2023R00019

Lender

Name	STAR FINANCIAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 24, 2032

Interest

Rate Type	Adjustable Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	2403 E CROSS ST, ANDERSON, IN 46012-1911
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R02272
Date	Feb 8, 2022
Instrument	2022R02272

Lender

Name	STAR FINANCIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 7, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2403 E Cross St was $1,701 with a homeowner's exemption, down 0.6% from the year before.

Source: Madison County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
Municipality	Anderson City
County	Madison County
County Subdivision	Anderson Township
Unified School District	Anderson Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,701.00 (-0.58%) Homeowner's exemption	$171,300 Land $21,000 Building $150,300	$171,300 Land $21,000 Building $150,300
2024	$1,711.00
2023		$147,500 (+0.82%) Land $20,000 Building $127,500	$147,500 (+0.82%) Land $20,000 Building $127,500
2022	$1,602.00 Homeowner's exemption	$146,300 Land $19,200 Building $127,100	$146,300 Land $19,200 Building $127,100

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

Flood

FEMA maps place 2403 E Cross St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1992.

Source: FEMA National Flood Hazard Layer, effective August 10, 2019 · 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 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1992–2026)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Aug 2026 · Severe Storms, Straight-line Winds, Tornadoes, And 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 2403 E Cross St 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 99.1% of the US · lower than 94% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ANDERSON WATER DEPARTMENT serves 55,212 people · EPA ID IN5248002
Water Source	Groundwater influenced by surface water
Last State Inspection	Feb 2026
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Dec 2024
Treatment and Procedure	Corrosion control Jan 2026
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: BridgeMAXX Suncoast Broadband, T-Mobile, Verizon.

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