3855 E 480 S, Cutler, IN 46920 Property Records

Carroll County property record for 3855 E 480 S, Cutler, IN 46920

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,010 sqft · built 2014
Lot Size	3.29 acres (143,530 sqft)
Owner	Individual Name on Record
Last Sale	$408,576 (May 2026)
Tax Bill	$1,518 (2025)
Deeds & Mortgages	May 2017 Line of Credit Nov 2020 Second Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`08-09-31-000-032.000-002`

Property Details

APN / Parcel Number

Primary APN	`08-09-31-000-032.000-002`
Alternative APNs	`00165908349` `0021500300`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,010 sqft Living Area
1st Floor Area	2,010 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Construction Type	Steel Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	143,530 sqft (3.29 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	858 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Pool Type
Pool Area	364 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00165908349
Street Address	3855 E 480 S
City	CUTLER
State	IN
Zip	46920-9417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	002-15003-00 BURLINGTON HEIGHTS LOT 3
Legal Subdivision	BURLINGTON HEIGHTS
Legal Lot Number	3
Jurisdiction	CARROLL IN
Township / Civil Division	BURLINGTON
Census Block Group	1
Census Block	1054
Census Tract	959900

Owner

Source: Carroll County records, as of June 19, 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 Record
Mailing Address	3855 E 480 S, CUTLER, IN 46920-9417
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2017	Deed of Trust, Mortgage · Line of Credit BEACON CU
Nov 5, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BEACON CU
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage BEACON CU
Feb 22, 2005	Deed of Trust, Mortgage UNION PLANTERS BANK NA
Jan 21, 2014	Deed of Trust, Mortgage · Line of Credit BEACON CU
Jun 27, 2014	Deed of Trust, Mortgage · Line of Credit BEACON CU
Aug 13, 2010	Deed of Trust, Mortgage FIRST FARMERS BANK AND TRUST
Aug 9, 2005	Deed of Trust, Mortgage · Conventional Mortgage FIRST FRANKLIN FINANCIAL CORP
May 4, 2026	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE
May 4, 2026	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2026 · Amount on Record
Deed Sale	May 4, 2026 · Amount on Record
Prior Sale	Dec 2, 2024 · Amount on Record
Deed Document Number	20261222
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	3855 E 480 S, CUTLER, IN 46920-9417
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017001550
Date	May 26, 2017
Instrument	2017001550

Lender

Name	BEACON CU
Type	Credit Union
Address	PERU, IN 46970

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 24, 2037

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	3855 E 480 S, CUTLER, IN 46920-9417
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3855 E 480 S, CUTLER, IN 46920-9417

Mortgage

Document Number	2020003696
Date	Nov 5, 2020
Instrument	2020003696

Lender

Name	BEACON CU
Type	Credit Union
Address	PERU, IN 46970

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 4, 2030

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	3855 E 480 S, CUTLER, IN 46920-9417
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020002368
Date	Jul 27, 2020
Instrument	2020002368

Lender

Name	BEACON CU
Type	Credit Union
Address	PERU, IN 46970

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2040

February 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	3855 E 480 S, CUTLER, IN 46920-9417
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00048/1767
Date	Feb 22, 2005
Book Page	48/1767
Instrument	200500000682

Lender

Name	UNION PLANTERS BANK NA
Type	Bank
Address	ROSSVILLE, IN 46065

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Feb 1, 2006

January 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	3855 E 480 S, CUTLER, IN 46920-9417
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2014000188
Date	Jan 21, 2014
Instrument	2014000188

Lender

Name	BEACON CU
Type	Credit Union
Address	PERU, IN 46970

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 2044

Interest

Rate Type	Adjustable Rate

June 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	3855 E 480 S, CUTLER, IN 46920-9417
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2014001880
Date	Jun 27, 2014
Instrument	2014001880

Lender

Name	BEACON CU
Type	Credit Union
Address	PERU, IN 46970

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 25, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	3855 E 480 S, CUTLER, IN 46920-9417
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00086/0169
Date	Aug 13, 2010
Book Page	86/0169
Instrument	201000002279

Lender

Name	FIRST FARMERS BANK AND TRUST

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 9, 2025

August 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	3855 E 480 S, CUTLER, IN 46920-9417
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00052/1289
Date	Aug 9, 2005
Book Page	52/1289
Instrument	200500003079

Lender

Name	FIRST FRANKLIN FINANCIAL CORP
Type	Subprime Lender
Address	SAN JOSE, CA 95131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2035
Prepayment Penalty	24 Months

Interest

Rate Type	Fixed Rate
Rate	7.5%
Type Change Date	Aug 1, 2007
Change Frequency	6 Months
Min Rate At Change	7.5%
Max Rate At Change	10.5%
Index	6-Month LIBOR
Margin	6
Max Rate	13.5%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARROLL IN
Recording Date	May 4, 2026
Property Address	3855 E 480 S, CUTLER, IN 46920-9417
Document Number	0000001222
Instrument Date	Apr 30, 2026
Instrument	2026.1222
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	COLUMBIA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3855 E 480 S, CUTLER, IN 46920-9417

Mortgage

Document Number	0000001223,
Date	May 4, 2026
Instrument	2026..1223

Lender

Name	RUOFF MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARROLL IN
Recording Date	May 4, 2026
Property Address	3855 E 480 S, CUTLER, IN 46920-9417
Document Number	2026001222
Instrument Date	Apr 30, 2026
Instrument	20261222
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	COLUMBIA TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3855 E 480 S, CUTLER, IN 46920-9417

Mortgage

Document Number	0000001223,
Date	May 4, 2026
Instrument	20261223

Lender

Name	RUOFF MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Carroll County
County Subdivision	Burlington Township
Unified School District	Carroll Consolidated School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,518.00 (+5.05%) Homeowner's exemption	$334,400 (+32.12%) Land $58,000 Building $276,400	$334,400 (+32.12%) Land $58,000 Building $276,400
2024	$1,445.00 (+11.67%)
2023		$253,100 (+9.85%) Land $48,600 Building $204,500	$253,100 (+9.85%) Land $48,600 Building $204,500
2022	$1,294.00	$230,400 Land $42,300 Building $188,100	$230,400 Land $42,300 Building $188,100

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 May 7, 2024

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · above 40% of Indiana
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mulberry Cooperative Telephone Company Fiber	1,000 / 1,000

Cell Coverage

No cell data coverage reported

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