403 E Michael St, Fremont, IN 46737 Property Records

Steuben County property record for 403 E Michael St, Fremont, IN 46737

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 792 sqft · built 1840
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Aug 2024)
Tax Bill	$743 (2025)
Deeds & Mortgages	Apr 2019 Mortgage May 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`76-02-21-340-106.000-004`

Property Details

APN / Parcel Number

Primary APN	`76-02-21-340-106.000-004`
Alternative APNs	`02-21-340-106.000-34` `00000990275`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	792 sqft Living Area
1st Floor Area	792 sqft
Basement Area	198 sqft
Unfinished Basement	198 sqft

Exterior

Year Built	Built 1840
Effective Year Built	Effective 2001
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Metal
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	132 ft deep x 85 ft wide
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00000990275
Street Address	403 E MICHAEL ST
City	FREMONT
State	IN
Zip	46737-2126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H & H LOT 10
Legal Subdivision	HOWELL AND HALLS ADDITION
Legal Lot Number	10
Jurisdiction	STEUBEN IN
Township / Civil Division	FREMONT
Census Block Group	2
Census Block	2024
Census Tract	970800

Owner

403 E Michael St is owned and occupied by an individual who bought it in August 2024.

Source: Steuben County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	403 E MICHAEL ST, FREMONT, IN 46737-2126
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2019	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
May 8, 2017	Special Warranty Deed, Transfer FIDELITY LAND AND TITLE, FIDELITY LAND TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2024 · Amount on File
Deed Sale	Aug 22, 2024 · Amount on File
Prior Sale	Apr 17, 2019 · Amount on File
Deed Document Number	202425072
Record Updated	Sep 20, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEUBEN IN
Recording Date	Apr 17, 2019
Property Address	403 E MICHAEL ST, FREMONT, IN 46737-2126
Document Number	0019040379
Instrument Date	Apr 12, 2019
Instrument	19040379
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 535, FREMONT, IN 46737-0535

Mortgage

Document Number	0019040380
Date	Apr 17, 2019
Instrument	19040380

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

May 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	STEUBEN IN
Recording Date	May 8, 2017
Property Address	403 E MICHAEL ST, FREMONT, IN 46737-2126
Document Number	0017050147
Instrument Date	Apr 14, 2017
Instrument	17050147
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	FIDELITY LAND AND TITLE, FIDELITY LAND TITLE AGENCY

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	61 5TH ST, FREMONT, IN 46737-8021

Tax Assessment & Valuation

The 2025 property tax bill for 403 E Michael St was $743 with a homeowner's exemption, up 81.2% from the year before.

Source: Steuben County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Steuben County
County Subdivision	Fremont Township
Municipality	Fremont Town
Unified School District	Fremont Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$743.00 (+81.22%) Homeowner's exemption	$146,700 (+52.65%) Land $20,000 Building $126,700	$146,700 (+52.65%) Land $20,000 Building $126,700
2024	$410.00 Homeowner's exemption	$96,100 (+4%) Land $18,100 Building $78,000	$96,100 (+4%) Land $18,100 Building $78,000
2023		$92,400 (+17.41%) Land $17,300 Building $75,100	$92,400 (+17.41%) Land $17,300 Building $75,100
2022	$284.00	$78,700 Land $16,600 Building $62,100	$78,700 Land $16,600 Building $62,100

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

Flood

FEMA maps place 403 E Michael St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 3, 2023

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 403 E Michael St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FREMONT WATER DEPARTMENT serves 2,138 people · EPA ID IN5276006
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Mediacom Xtream Cable	1,000 / 50
Mercury Fiber Fixed Wireless	150 / 20
Lakeland Internet Fixed Wireless	100 / 20

May also be available: MetaLINK Technologies, Steuben County REMC.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Michael St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures