3863 E State Rd 218, Berne, IN 46711 Property Records

Adams County property record for 3863 E State Rd 218, Berne, IN 46711

Property Summary

Property Type	Rural Home
Details	6 bd · 3,276 sqft · built 1983
Lot Size	20 acres (871,200 sqft)
Owner	Individual Name on File
Tax Bill	$4,058 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-09-31-400-006.000-002`

Property Details

APN / Parcel Number

Primary APN	`01-09-31-400-006.000-002`
Alternative APNs	`00919000000510` `01664882556`

Interior

Bedrooms	6 Beds
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,276 sqft Living Area
1st Floor Area	3,276 sqft
Basement Area	640 sqft
Unfinished Basement	640 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1992
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	871,200 sqft (20 acres)
Shed	1 Shed
Shed Area	80 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Other

Location & Zoning

Account Number	01664882556
Street Address	3863 E STATE ROAD 218
City	BERNE
State	IN
Zip	46711-9439
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	W/2 SE SE SEC 31 (20A)
Jurisdiction	ADAMS IN
Township / Civil Division	BLUE CREEK
Census Block Group	2
Census Block	2042
Census Tract	30500

Owner

3863 E State Rd 218, a rural home, is owned and occupied by an individual who acquired it in August 2021.

Source: Adams 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 File
Mailing Address	3861 W STATE ROAD 218, BERNE, IN 46711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF GENEVA
Nov 30, 2021	Deed of Trust, Mortgage · ARM FARMERS & MERCHANTS BANK
Jun 16, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS & MERCHANTS STATE BANK
Sep 2, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 27, 2021
Transfer Doc	2021004543
Record Updated	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	3863 E STATE ROAD 218, BERNE, IN 46711-9439
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017003716
Date	Oct 2, 2017
Instrument	2017003716

Lender

Name	BANK OF GENEVA
Type	Bank
Address	GENEVA, IN 46740

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 28, 2047

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	3863 E STATE ROAD 218, BERNE, IN 46711-9439
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021006043
Date	Nov 30, 2021
Instrument	2021006043

Lender

Name	FARMERS & MERCHANTS BANK

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Dec 1, 2028
Margin	4

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	3863 E STATE ROAD 218, BERNE, IN 46711-9439
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022002670
Date	Jun 16, 2022
Instrument	2022002670

Lender

Name	FARMERS & MERCHANTS STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2032

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAMS IN
Recording Date	Sep 2, 2021
Property Address	3863 E STATE ROAD 218, BERNE, IN 46711-9439
Document Number	2021004543
Instrument Date	Aug 27, 2021
Instrument	2021004543
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3861 E STATE ROAD 218, BERNE, IN 46711-9439

Tax Assessment & Valuation

The 2025 property tax bill for 3863 E State Rd 218 was $4,058 with a homeowner's exemption, up 12.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Indiana
County	Adams County
County Subdivision	Blue Creek Township
Unified School District	South Adams Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,058.00 (+12.53%) Homeowner's exemption	$461,800 Land $54,800 Building $407,000	$461,800 Land $54,800 Building $407,000
2024	$3,606.00 (-1.37%)
2023	$3,656.00 (+9.79%)	$406,100 (+3.18%) Land $52,300 Building $353,800	$406,100 (+3.18%) Land $52,300 Building $353,800
2022	$3,330.00	$393,600 Land $47,800 Building $345,800	$393,600 Land $47,800 Building $345,800
2020	$2,762.00

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

Flood

FEMA maps place 3863 E State Rd 218 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.

Wildfire

Wildfire risk around 3863 E State Rd 218 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	25 / 6

May also be available: Mercury Fiber, T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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