3229 W 400 S, Poneto, IN 46781 Property Records

Wells County property record for 3229 W 400 S, Poneto, IN 46781

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,593 sqft · built 1991
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$161,000 (May 2019)
Tax Bill	$1,207 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`90-09-21-400-005.000-013`

Property Details

APN / Parcel Number

Primary APN	`90-09-21-400-005.000-013`
Alternative APNs	`00001589904` `0060446402`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,593 sqft Living Area
1st Floor Area	1,593 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Garage Area	541 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Solar

Location & Zoning

Account Number	00001589904
Street Address	3229 W 400 S
City	PONETO
State	IN
Zip	46781-9725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	21-26-11 2.00 S 328.79' OF 265' E/2 SE
Jurisdiction	WELLS IN
Township / Civil Division	LIBERTY
Census Block Group	1
Census Block	1050
Census Tract	40700

Owner

Source: Wells County records, as of June 26, 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 File
Mailing Address	3229 W 400 S, PONETO, IN 46781-9725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · Balloon Mortgage THREE RIVERS FCU
May 9, 2019	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2019 · Amount on File
Deed Sale	May 9, 2019 · Amount on File
Deed Document Number	20191457
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	3229 W 400 S, PONETO, IN 46781-9725
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020210565
Date	Feb 2, 2021
Instrument	20210565

Lender

Name	THREE RIVERS FCU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 15, 2030

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WELLS IN
Recording Date	May 9, 2019
Property Address	3229 W 400 S, PONETO, IN 46781-9725
Document Number	0020191457
Instrument Date	May 3, 2019
Instrument	20191457
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3229 W 400 S, PONETO, IN 46781-9725

Mortgage

Document Number	0020191458
Date	May 9, 2019
Instrument	20191458

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Wells County assessment roll, as of June 26, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Wells County
County Subdivision	Liberty Township
Unified School District	Southern Wells Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,207.00 (+26.92%) Homeowner's exemption	$220,100 (+8.58%) Land $48,000 Building $172,100	$220,100 (+8.58%) Land $48,000 Building $172,100
2024	$951.00 (+22.08%)
2023		$202,700 (+6.63%) Land $48,000 Building $154,700	$202,700 (+6.63%) Land $48,000 Building $154,700
2022	$779.00	$190,100 Land $34,000 Building $156,100	$190,100 Land $34,000 Building $156,100

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 September 30, 2016 · 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 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2019 · 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	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.

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)
Citizens Telephone Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on W 400 S

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