3755 W 400 S, Poneto, IN 46781 Property Records

Wells County property record for 3755 W 400 S, Poneto, IN 46781

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,434 sqft · built 2000
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Tax Bill	$1,027 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`90-09-21-300-007.000-013`

Property Details

APN / Parcel Number

Primary APN	`90-09-21-300-007.000-013`
Alternative APNs	`00001589525` `0060440801`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,434 sqft Living Area
1st Floor Area	1,434 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Metal
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Above-Ground Pool
Pool Area	530 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001589525
Street Address	3755 W 400 S
City	PONETO
State	IN
Zip	46781-9725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W258' OF S 253.27' SE SW 21-26-11 1.5A
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	3755 W 400 S, PONETO, IN 46781-9725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST MERCHANTS BANK NA
Apr 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST MERCHANTS BANK NA
Feb 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	3755 W 400 S, PONETO, IN 46781-9725
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020204198
Date	Sep 28, 2020
Instrument	20204198

Lender

Name	FIRST MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2050

Interest

Rate Type	Adjustable Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	3755 W 400 S, PONETO, IN 46781-9725
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020221496
Date	Apr 1, 2022
Instrument	20221496

Lender

Name	FIRST MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 24, 2052

Interest

Rate Type	Adjustable Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	3755 W 400 S, PONETO, IN 46781-9725
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020220657
Date	Feb 15, 2022
Instrument	20220657

Lender

Name	FIRST MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2037

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	$1,027.00 (+17.78%) Homeowner's exemption	$195,000 (+11.81%) Land $38,800 Building $156,200	$195,000 (+11.81%) Land $38,800 Building $156,200
2024	$872.00 (+16.27%)
2023		$174,400 (+5.06%) Land $38,800 Building $135,600	$174,400 (+5.06%) Land $38,800 Building $135,600
2022	$750.00	$166,000 Land $28,300 Building $137,700	$166,000 Land $28,300 Building $137,700

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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