Adams County property record for 318 E Water St, Berne, IN 46711
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,467 sqft · built 1920 |
| Lot Size | 0.182 acres (7,920 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,334 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage Oct 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-08-33-301-277.000-010 |
| Primary APN | 01-08-33-301-277.000-010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,467 sqft Living Area |
| 1st Floor Area | 1,467 sqft |
| Basement Area | 620 sqft |
| Unfinished Basement | 620 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 7,920 sqft (0.182 acres) |
| Lot Dimensions | 132 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 00809422834 |
|---|---|
| Street Address | 318 E WATER ST |
| City | BERNE |
| State | IN |
| Zip | 46711-1231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5TH ADD LOT 49 |
| Legal Subdivision | 5TH ADD |
| Legal Lot Number | 49 |
| Jurisdiction | ADAMS IN |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 30600 |
318 E Water St is owned and occupied by an individual who acquired it in October 2019.
Source: Adams County records, as of June 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 318 E WATER ST, BERNE, IN 46711-1231 |
| 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.
| Date | Document |
|---|---|
| Dec 27, 2022 | Deed of Trust, Mortgage · Stand-Alone First Mortgage ROCKET MORTGAGE |
| Oct 19, 2023 | Warranty Deed, Transfer · Conventional Mortgage THE FARMERS & MERCHANTS STATE BANK |
| Oct 15, 2019 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 9, 2019 |
| Transfer Doc | 2019004020 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS IN |
| Property Address | 318 E WATER ST, BERNE, IN 46711-1231 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2024 |
| Name | Verified Name |
|---|
| Document Number | 2022005530 |
|---|---|
| Date | Dec 27, 2022 |
| Instrument | 2022005530 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ADAMS IN |
| Recording Date | Oct 19, 2023 |
| Property Address | 318 E WATER ST, BERNE, IN 46711-1231 |
| Document Number | 2023003610 |
| Instrument Date | Oct 6, 2023 |
| Instrument | 2023003610 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 318 E WATER ST, BERNE, IN 46711-1231 |
| Document Number | 2023003611 |
|---|---|
| Date | Oct 19, 2023 |
| Instrument | 2023003611 |
| Name | THE FARMERS & MERCHANTS STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ADAMS IN |
| Recording Date | Oct 15, 2019 |
| Property Address | 318 E WATER ST, BERNE, IN 46711-1231 |
| Document Number | 2019004020 |
| Instrument Date | Oct 9, 2019 |
| Instrument | 2019004020 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 318 E WATER ST, BERNE, IN 46711-1231 |
The 2025 property tax bill for 318 E Water St was $2,334, up 10.6% from the year before.
Source: Adams County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Adams County |
| County Subdivision | Monroe Township |
| Municipality | Berne City |
| Unified School District | South Adams Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,334.00 (+10.62%) | $116,700 Land $9,600 Building $107,100 | $116,700 Land $9,600 Building $107,100 |
| 2024 | $2,110.00 (+6.73%) | ||
| 2023 | $1,977.00 (+243.23%) | $97,900 (+4.48%) Land $9,600 Building $88,300 | $97,900 (+4.48%) Land $9,600 Building $88,300 |
| 2022 | $576.00 | $93,700 Land $9,600 Building $84,100 | $93,700 Land $9,600 Building $84,100 |
| 2020 | $578.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 318 E Water St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 19, 2014
| 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.
The area around 318 E Water St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BERNE WATER DEPARTMENT serves 4,388 people · EPA ID IN5201001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 4 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 437 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
| Watch TV Fiber · Fixed Wireless | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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