40 S 650 E, Decatur, IN 46733 Property Records

Adams County property record for 40 S 650 E, Decatur, IN 46733

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,644 sqft · built 2018
Lot Size	14.5 acres (631,620 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,527 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`01-09-03-100-002.500-001`

Property Details

APN / Parcel Number

Primary APN	`01-09-03-100-002.500-001`
Alternative APNs	`00812000001201` `00502846049`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,644 sqft Living Area
1st Floor Area	1,644 sqft
Basement Area	1,404 sqft
Unfinished Basement	1,404 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Roof Material	Metal
Lot Area	631,620 sqft (14.5 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Above-Ground Pool
Pool Area	804 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	00502846049
Street Address	40 S 650 E
City	DECATUR
State	IN
Zip	46733-8989
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	MID PT NE NW SEC 3 (14.50A)
Jurisdiction	ADAMS IN
Township / Civil Division	BLUE CREEK
Census Block Group	2
Census Block	2001
Census Tract	30500

Owner

Source: Adams County records, as of June 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	40 S 650 E, DECATUR, IN 46733-8989
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2025	Deed of Trust, Mortgage · Line of Credit FIRST BANK OF BERNE
Jan 3, 2023	Deed of Trust, Mortgage · Line of Credit FIRST BANK OF BERNE
Jan 3, 2023	Deed of Trust, Mortgage · Line of Credit CENTRAL SOYA FEDERAL CREDIT UNION
Oct 29, 2018	Deed of Trust, Mortgage FIRST BANK OF BERNE
Feb 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST BANK OF BERNE
Apr 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST BANK OF BERNE

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	40 S 650 E, DECATUR, IN 46733-8989
Transaction Type	Mortgage
Record Updated	Jan 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025003898
Date	Oct 8, 2025
Instrument	2025003898

Lender

Name	FIRST BANK OF BERNE
Type	Bank
Address	BERNE, IN 46711

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 25, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	40 S 650 E, DECATUR, IN 46733-8989
Transaction Type	Mortgage
Record Updated	Jan 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023000016
Date	Jan 3, 2023
Instrument	2023000016

Lender

Name	FIRST BANK OF BERNE

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2033

Interest

Rate Type	Adjustable Rate

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	40 S 650 E, DECATUR, IN 46733-8989
Transaction Type	Mortgage
Record Updated	Jan 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023000017
Date	Jan 3, 2023
Instrument	2023000017

Lender

Name	CENTRAL SOYA FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	40 S 650 E, DECATUR, IN 46733-8989
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018004285
Date	Oct 29, 2018
Instrument	2018004285

Lender

Name	FIRST BANK OF BERNE
Type	Bank

Agreement

Amount	Amount Recorded
Term	3 Months
Due	Jan 1, 2019

Interest

Rate	7.75%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	40 S 650 E, DECATUR, IN 46733-8989
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019000690
Date	Feb 22, 2019
Instrument	2019000690

Lender

Name	FIRST BANK OF BERNE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	40 S 650 E, DECATUR, IN 46733-8989
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020001993
Date	Apr 30, 2020
Instrument	2020001993

Lender

Name	FIRST BANK OF BERNE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

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	Adams Central Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,527.00 (-1.75%) Homeowner's exemption	$334,700 (+15.06%) Land $43,500 Building $291,200	$334,700 (+15.06%) Land $43,500 Building $291,200
2024	$2,572.00 (-1.46%)
2023	$2,610.00 (-17.72%)	$290,900 (+7.18%) Land $41,500 Building $249,400	$290,900 (+7.18%) Land $41,500 Building $249,400
2022	$3,172.00 (+59.64%)	$271,400 Land $38,000 Building $233,400	$271,400 Land $38,000 Building $233,400
2020	$1,987.00

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 November 19, 2014

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

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	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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Watch TV Fixed Wireless	400 / 40
MetaLINK Technologies Fixed Wireless	25 / 5
Wabash Communications Fixed Wireless	10 / 1

May also be available: Brightspeed, Verizon.

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