3004 E Cross St, Anderson, IN 46012 Property Records

Madison County property record for 3004 E Cross St, Anderson, IN 46012

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,762 sqft · built 1899
Lot Size	0.848 acres (36,939 sqft)
Owner	Individual Name on Record
Last Sale	$148,755 (Jan 2024)
Tax Bill	$3,644 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Jan 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-0027-1-031`

Property Details

APN / Parcel Number

Primary APN	`13-0027-1-031`
Alternative APNs	`48-07-32-400-049.000-029` `00001320769`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,762 sqft Living Area
1st Floor Area	1,762 sqft
Basement Area	1,218 sqft
Unfinished Basement	1,117 sqft

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1975
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	36,939 sqft (0.848 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	96 sqft
Patio Area	424 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Account Number	00001320769
Street Address	3004 E CROSS ST
City	ANDERSON
State	IN
Zip	46012-9579
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W2 E2 SE 0.8480ACRES STR: 32208 SECTION: PLAT: 00 IN: OUT:
Jurisdiction	MADISON IN
Township / Civil Division	RICHLAND
Census Block Group	1
Census Block	1027
Census Tract	1300

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	3004 E CROSS ST, ANDERSON, IN 46012-9579
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK BERNIE
Jan 26, 2024	Warranty Deed, Transfer · FHA Mortgage NEWREZ LLC
Jan 26, 2024	Warranty Deed, Transfer NOT AVAILABLE, FSH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2024 · Amount on Record
Deed Sale	Jan 26, 2024 · Amount on Record
Prior Sale	Oct 2, 2015 · Amount on Record
Deed Document Number	20241209
Prior Transfer Date	Dec 2, 2016
Prior Transfer Doc	2016018126
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	3004 E CROSS ST, ANDERSON, IN 46012-9579
Transaction Type	Mortgage
Record Updated	Mar 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017R02326
Date	Feb 22, 2017
Instrument	2017R02326

Lender

Name	FIRST BANK BERNIE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 16, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.49%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 16, 2022
Min Rate At Change	5%
Max Rate At Change	9.49%
Margin	4

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IN
Recording Date	Jan 26, 2024
Property Address	3004 E CROSS ST, ANDERSON, IN 46012-9579
Document Number	2024R01209
Instrument Date	Jan 25, 2024
Instrument	2024R01209
Transaction Type	Transfer
Record Updated	Feb 7, 2024
Title Company	FSH

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3004 E CROSS ST, ANDERSON, IN 46012-9579

Mortgage

Document Number	2024R01210
Date	Jan 26, 2024
Instrument	2024R01210

Lender

Name	NEWREZ LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2054

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IN
Recording Date	Jan 26, 2024
Property Address	3004 E CROSS ST, ANDERSON, IN 46012-9579
Document Number	2024R01209
Instrument Date	Jan 25, 2024
Instrument	2024R01209
Transaction Type	Transfer
Record Updated	Mar 8, 2024
Title Company	NOT AVAILABLE, FSH

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3004 E CROSS ST, ANDERSON, IN 46012-9579

Tax Assessment & Valuation

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	$3,644.00 (+10.59%)	$165,400 (+112.05%) Land $24,000 Building $141,400	$165,400 (+112.05%) Land $24,000 Building $141,400
2024	$3,295.00 (+470.07%)
2023		$78,000 (+2.77%) Land $22,900 Building $55,100	$78,000 (+2.77%) Land $22,900 Building $55,100
2022	$578.00	$75,900 Land $21,800 Building $54,100	$75,900 Land $21,800 Building $54,100

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 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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, BridgeMAXX Suncoast Broadband, Mercury Fiber.

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