2781 E 650 S, Berne, IN 46711 Property Records

Adams County property record for 2781 E 650 S, Berne, IN 46711

Property Summary

Property Type	Rural Home
Details	2 bd · 3,873 sqft · built 1890
Lot Size	5.2 acres (226,512 sqft)
Owner	Individual Name on Record
Tax Bill	$6,360 (2025)
Deeds & Mortgages	Oct 2021 Refinance Aug 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-11-01-200-016.000-017`

Property Details

APN / Parcel Number

Primary APN	`01-11-01-200-016.000-017`
Alternative APNs	`01519000003125` `00778338763`

Interior

Bedrooms	2 Beds
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,873 sqft Living Area
1st Floor Area	3,873 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1940
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	226,512 sqft (5.2 acres)
Shed	1 Shed
Shed Area	72 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Other

Location & Zoning

Account Number	00778338763
Street Address	2781 E 650 S
City	BERNE
State	IN
Zip	46711-9425
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SW PT SE NE SEC 1 (5.2A)
Jurisdiction	ADAMS IN
Township / Civil Division	WABASH
Census Block Group	5
Census Block	5018
Census Tract	30700

Owner

Source: Adams County records, as of June 19, 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	2781 E 650 S, BERNE, IN 46711-9425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MERCER SAVINGS BANK
Aug 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MERCER SAVINGS BANK
Apr 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MERCER SAVINGS BANK
Dec 2, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MERCER SAVINGS BANK
Aug 21, 2018	Deed of Trust, Mortgage MERCER SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	2781 E 650 S, BERNE, IN 46711-9425
Transaction Type	Mortgage
Record Updated	Nov 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021005253
Date	Oct 15, 2021
Instrument	2021005253

Lender

Name	MERCER SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	2781 E 650 S, BERNE, IN 46711-9425
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021004043
Date	Aug 4, 2021
Instrument	2021004043

Lender

Name	MERCER SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	2781 E 650 S, BERNE, IN 46711-9425
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020001981
Date	Apr 30, 2020
Instrument	2020001981

Lender

Name	MERCER SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	2781 E 650 S, BERNE, IN 46711-9425
Transaction Type	Mortgage
Record Updated	Dec 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019004721
Date	Dec 2, 2019
Instrument	2019004721

Lender

Name	MERCER SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	2781 E 650 S, BERNE, IN 46711-9425
Transaction Type	Mortgage
Record Updated	Sep 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018003186
Date	Aug 21, 2018
Instrument	2018003186

Lender

Name	MERCER SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	233 Months
Due	Jan 1, 2038

Tax Assessment & Valuation

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	$6,360.00 (-2.83%) Homeowner's exemption	$622,300 (+13.58%) Land $35,900 Building $586,400	$622,300 (+13.58%) Land $35,900 Building $586,400
2024	$6,545.00 (+7.7%)
2023	$6,077.00 (-15.04%)	$547,900 (+43.84%) Land $35,400 Building $512,500	$547,900 (+43.84%) Land $35,400 Building $512,500
2022	$7,153.00 (+124.65%)	$380,900 Land $34,400 Building $346,500	$380,900 Land $34,400 Building $346,500
2020	$3,184.00

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 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 78% 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 4 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
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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