320 E Cummings St, Brownstown, IN 47220 Property Records

Jackson County property record for 320 E Cummings St, Brownstown, IN 47220

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,534 sqft · built 2007
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Oct 2017)
Tax Bill	$2,368 (2025)
Deeds & Mortgages	Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-54-14-313-072.000-002`

Property Details

APN / Parcel Number

Primary APN	`36-54-14-313-072.000-002`
Alternative APN	`00000987444`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,534 sqft Living Area
1st Floor Area	2,051 sqft
Attic	Attic
Attic Area	966 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	116 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00000987444
Street Address	320 E CUMMINGS ST
City	BROWNSTOWN
State	IN
Zip	47220-1991
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUCAS/ACKERMAN 116--4
Legal Subdivision	LUCAS ACKERMAN ADDITION
Jurisdiction	JACKSON IN
Township / Civil Division	BROWNSTOWN
Census Block Group	4
Census Block	4054
Census Tract	968100

Owner

320 E Cummings St is owned and occupied by two individuals who bought it in October 2017.

Source: Jackson County records, as of June 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	320 E CUMMINGS ST, BROWNSTOWN, IN 47220-1991
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	2 Names on Deed
Last Sale	Oct 26, 2017 · Amount on File
Deed Sale	Oct 26, 2017 · Amount on File
Prior Sale	Dec 27, 2006 · Amount on File
Deed Document Number	20177935
Record Updated	Sep 20, 2026

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON IN
Recording Date	Oct 26, 2017
Property Address	320 E CUMMINGS ST, BROWNSTOWN, IN 47220-1991
Document Number	0201707935
Instrument Date	Oct 25, 2017
Instrument	201707935
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 E CUMMINGS ST, BROWNSTOWN, IN 47220-1991

Mortgage

Document Number	0201707936
Date	Oct 26, 2017
Instrument	201707936

Lender

Name	UNITED SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 320 E Cummings St was $2,368 with a homeowner's exemption, down 3.3% from the year before.

Source: Jackson County assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Jackson County
County Subdivision	Brownstown Township
Municipality	Brownstown Town
Unified School District	Brownstown Central Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,368.00 (-3.31%) Homeowner's exemption	$263,200 Land $33,100 Building $230,100	$263,200 Land $33,100 Building $230,100
2024	$2,449.00 (+13.96%)
2023	$2,149.00 (+7.56%)	$217,500 (+8.86%) Land $33,100 Building $184,400	$217,500 (+8.86%) Land $33,100 Building $184,400
2022	$1,998.00 (+11.37%)	$199,800 Land $33,100 Building $166,700	$199,800 Land $33,100 Building $166,700
2021	$1,794.00

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

Flood

FEMA maps place 320 E Cummings St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 26, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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 320 E Cummings St is low, with 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 80% of the US · above 73% of Indiana
Wildfire Likelihood	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	JACKSON COUNTY WATER UTILITY serves 13,667 people · EPA ID IN5236003
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20