2516 E Cross St, Anderson, IN 46012 Property Records

Madison County property record for 2516 E Cross St, Anderson, IN 46012

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,628 sqft · built 1899
Lot Size	1.22 acres (53,143 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Apr 2024)
Tax Bill	$1,912 (2025)
Deeds & Mortgages	Apr 2024 Sale & Line of Credit Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-0027-1-049`

Property Details

APN / Parcel Number

Primary APN	`13-0027-1-049`
Alternative APNs	`48-07-32-300-106.000-029` `00001320678`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,628 sqft Living Area
1st Floor Area	2,628 sqft
Upper Floors Area	1,152 sqft
Basement Area	1,152 sqft
Unfinished Basement	1,152 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1965
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	53,143 sqft (1.22 acres)
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001320678
Street Address	2516 E CROSS ST
City	ANDERSON
State	IN
Zip	46012-1914
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SW SW 1.2200ACRES STR: 32208 SECTION: PLAT: 00 IN: OUT:
Jurisdiction	MADISON IN
Township / Civil Division	RICHLAND
Census Block Group	1
Census Block	1024
Census Tract	1300

Owner

2516 E Cross St is owned and occupied by an individual who bought it in April 2024.

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

Owner of Record	Individual Name on File
Mailing Address	2516 E CROSS ST, ANDERSON, IN 46012-1914
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
Apr 19, 2024	Quit Claim Deed, Transfer · Line of Credit FIRST FINANCIAL BANK NA
Jan 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK NA
Aug 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK NA
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2024 · Amount on File
Deed Sale	Apr 19, 2024 · Amount on File
Deed Document Number	20245162
Record Updated	Sep 20, 2026

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MADISON IN
Recording Date	Apr 19, 2024
Property Address	2516 E CROSS ST, ANDERSON, IN 46012-1914
Document Number	2024R05162
Instrument Date	Apr 10, 2024
Instrument	2024R05162
Transaction Type	Transfer
Record Updated	May 8, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2516 E CROSS ST, ANDERSON, IN 46012-1914

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2516 E CROSS ST, ANDERSON, IN 46012-1914

Mortgage

Document Number	2024R05085
Date	Apr 18, 2024
Instrument	2024R05085

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 15, 2034

Interest

Rate Type	Adjustable Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	2516 E CROSS ST, ANDERSON, IN 46012-1914
Transaction Type	Mortgage
Record Updated	Feb 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R01146
Date	Jan 19, 2022
Instrument	2022R01146

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	2516 E CROSS ST, ANDERSON, IN 46012-1914
Transaction Type	Mortgage
Record Updated	Nov 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R11358
Date	Aug 10, 2020
Instrument	2020R11358

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	2516 E CROSS ST, ANDERSON, IN 46012-1914
Transaction Type	Mortgage
Record Updated	Nov 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R07201
Date	Apr 20, 2021
Instrument	2021R07201

Lender

Name	FIRST FINANCIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 12, 2031

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2516 E Cross St was $1,912 with a homeowner's exemption, up 1.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,912.00 (+1.06%) Homeowner's exemption	$191,500 Land $21,100 Building $170,400	$191,500 Land $21,100 Building $170,400
2024	$1,892.00
2023		$156,800 (+2.28%) Land $20,100 Building $136,700	$156,800 (+2.28%) Land $20,100 Building $136,700
2022	$1,691.00 Homeowner's exemption	$153,300 Land $19,200 Building $134,100	$153,300 Land $19,200 Building $134,100

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

Flood

FEMA maps place 2516 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 2516 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 98% of the US · lower than 85% 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.

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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