Adams County property record for 400 W 400 S, Berne, IN 46711
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 2,538 sqft · built 1963 |
| Lot Size | 10.5 acres (459,297 sqft) |
| Owner | Individual Name on File |
| Last Sale | $250,000 (Feb 2023) |
| Tax Bill | $3,669 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Feb 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-08-28-200-005.000-009 |
| Primary APN | 01-08-28-200-005.000-009 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,538 sqft Living Area |
| 1st Floor Area | 2,538 sqft |
| Basement Area | 540 sqft |
| Unfinished Basement | 540 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1969 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 459,297 sqft (10.5 acres) |
| Shed | 1 Shed |
| Shed Area | 150 sqft |
| Total Buildings | 3 Buildings |
| Heating System | Other |
|---|
| Account Number | 01257963789 |
|---|---|
| Street Address | 400 W 400 S |
| City | BERNE |
| State | IN |
| Zip | 46711-9606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | MID PT W PT NE SEC 28 (10.544A) |
| Jurisdiction | ADAMS IN |
| Township / Civil Division | MONROE |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 30500 |
400 W 400 S, a rural home, is owned and occupied by an individual who bought it in February 2023.
Source: Adams County records, as of June 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 410 W 400 S, BERNE, IN 46711-9606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 20, 2023 | Deed of Trust, Mortgage · Conventional Mortgage THE FARMERS & MERCHANTS STATE BANK |
| Feb 19, 2021 | Deed of Trust, Mortgage · Balloon Mortgage FARMERS & MERCHANTS BANK |
| Feb 24, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS & MERCHANTS STATE BANK |
| May 5, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance PROFED FEDERAL CREDIT UNION |
| Jan 23, 2023 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 3, 2023 · Amount on File |
| Deed Sale | Feb 3, 2023 · Amount on File |
| Deed Document Number | 202342252 |
| Prior Transfer Date | Jan 18, 2023 |
| Prior Transfer Doc | 0000042252 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS IN |
| Property Address | 400 W 400 S, BERNE, IN 46711-9606 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2024 |
| Name | Verified Name |
|---|
| Document Number | 2023004563 |
|---|---|
| Date | Dec 20, 2023 |
| Instrument | 2023004563 |
| Name | THE FARMERS & MERCHANTS STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS IN |
| Property Address | 400 W 400 S, BERNE, IN 46711-9606 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2021001003 |
|---|---|
| Date | Feb 19, 2021 |
| Instrument | 2021001003 |
| Name | FARMERS & MERCHANTS BANK |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Mar 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS IN |
| Property Address | 400 W 400 S, BERNE, IN 46711-9606 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2022000719 |
|---|---|
| Date | Feb 24, 2022 |
| Instrument | 2022000719 |
| Name | FARMERS & MERCHANTS STATE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Mar 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS IN |
| Property Address | 400 W 400 S, BERNE, IN 46711-9606 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2022002014 |
|---|---|
| Date | May 5, 2022 |
| Instrument | 2022002014 |
| Name | PROFED FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jun 1, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ADAMS IN |
| Recording Date | Jan 23, 2023 |
| Property Address | 400 W 400 S, BERNE, IN 46711-9606 |
| Document Number | 2023000218 |
| Instrument Date | Jan 18, 2023 |
| Instrument | 2023000218 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | IN |
The 2025 property tax bill for 400 W 400 S was $3,669 with a homeowner's exemption, up 32.3% from the year before.
Source: Adams County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Adams County |
| County Subdivision | Monroe Township |
| Unified School District | South Adams Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,669.00 (+32.31%) Homeowner's exemption | $398,900 Land $46,200 Building $352,700 | $398,900 Land $46,200 Building $352,700 |
| 2024 | $2,773.00 (-19.3%) | ||
| 2023 | $3,436.00 (-4.18%) | $301,600 (+1.93%) Land $44,600 Building $257,000 | $301,600 (+1.93%) Land $44,600 Building $257,000 |
| 2022 | $3,586.00 | $295,900 Land $41,700 Building $254,200 | $295,900 Land $41,700 Building $254,200 |
| 2020 | $2,941.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 400 W 400 S 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 risk around 400 W 400 S is low, with less than 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 99.1% of the US · lower than 94% of Indiana |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| Watch TV Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 25 / 3 |
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