316 E Covell St, Garrett, IN 46738 Property Records

DeKalb County property record for 316 E Covell St, Garrett, IN 46738

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,620 sqft · built 1980
Lot Size	0.155 acres (6,752 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (May 2024)
Tax Bill	$1,401 (2025)
Deeds & Mortgages	Nov 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-05-34-304-006.000-013`

Property Details

APN / Parcel Number

Primary APN	`17-05-34-304-006.000-013`
Alternative APN	`260534304006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,620 sqft Living Area
1st Floor Area	1,620 sqft
Basement Area	656 sqft
Unfinished Basement	656 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	6,752 sqft (0.155 acres)
Lot Dimensions	125 ft deep x 54 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	936 sqft
Parking Spaces	3 Parking Spaces
Gazebo	Gazebo

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	260534304006
Street Address	316 E COVELL ST
City	GARRETT
State	IN
Zip	46738-1020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OZ 2ND ADD LOT 1
Legal Subdivision	OZMUNS SECOND ADDITION
Legal Lot Number	1
Jurisdiction	DE KALB IN
Township / Civil Division	KEYSER
Census Block Group	3
Census Block	3028
Census Tract	20602

Owner

316 E Covell St is owned and occupied by an individual who bought it in May 2024.

Source: DeKalb County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	316 E COVELL ST, GARRETT, IN 46738-1020
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2024 · Amount on File
Deed Sale	May 30, 2024 · Amount on File
Prior Sale	Aug 26, 2015
Deed Document Number	20242513
Prior Transfer Date	Feb 26, 2015
Prior Transfer Doc	0201501182
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	316 E COVELL ST, GARRETT, IN 46738-1020
Transaction Type	Mortgage
Record Updated	Dec 11, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 E COVELL ST, GARRETT, IN 46738-1020

Mortgage

Document Number	0202506283
Date	Nov 26, 2025
Instrument	202506283

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company
Address	600 CORPORATION DR STE 200, PENDLETON, IN 46064

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 316 E Covell St was $1,401, up 20.6% from the year before.

Source: DeKalb County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	DeKalb County
County Subdivision	Keyser Township
Municipality	Garrett City
Unified School District	Garrett-Keyser-Butler Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,401.00 (+20.57%)	$181,400 (+22.98%) Land $29,200 Building $152,200	$181,400 (+22.98%) Land $29,200 Building $152,200
2024	$1,162.00 (+22.83%)	$147,500 (+11.83%) Land $27,300 Building $120,200	$147,500 (+11.83%) Land $27,300 Building $120,200
2023	$946.00 (-21.23%)	$131,900 (+0.46%) Land $23,800 Building $108,100	$131,900 (+0.46%) Land $23,800 Building $108,100
2022	$1,201.00	$131,300 Land $23,100 Building $108,200	$131,300 Land $23,100 Building $108,200

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

Flood

FEMA maps place 316 E Covell St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 27, 2018

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 316 E Covell 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	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	GARRETT WATER UTILITY serves 6,390 people · EPA ID IN5217004
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 332 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Auburn Essential Services Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
MetaLINK Technologies Fixed Wireless	200 / 50
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless	100 / 20

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