404 E Covell St, Garrett, IN 46738 Property Records

DeKalb County property record for 404 E Covell St, Garrett, IN 46738

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,336 sqft · built 1970
Lot Size	0.141 acres (6,142 sqft)
Owner	Individual Name on Record
Tax Bill	$2,660 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Oct 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-05-34-305-002.000-013`

Property Details

APN / Parcel Number

Primary APN	`17-05-34-305-002.000-013`
Alternative APN	`260534305002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,336 sqft Living Area
1st Floor Area	1,336 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Wood
Roof Material	Asphalt
Lot Area	6,142 sqft (0.141 acres)
Lot Dimensions	125 ft deep x 49 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	260534305002
Street Address	404 E COVELL ST
City	GARRETT
State	IN
Zip	46738-1022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OZ 3RD ADD LOT 2 BLOCK 3
Legal Subdivision	OZ 3RD ADD
Legal Block	3
Legal Lot Number	2
Jurisdiction	DE KALB IN
Township / Civil Division	KEYSER
Census Block Group	3
Census Block	3027
Census Tract	20602

Owner

Source: DeKalb County records, as of October 13, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	404 E COVELL ST, GARRETT, IN 46738-1022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage THREE RIVERS FCU
Oct 10, 2023	Quit Claim Deed, Transfer Quitclaim
Jul 31, 2023	Quit Claim Deed, Transfer Quitclaim
Jul 14, 2023	Affidavit of Death of Joint Tenant, Transfer
Dec 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage BEACON CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2023
Deed Sale	Oct 10, 2023
Prior Sale	Jul 31, 2023
Deed Document Number	20235122
Prior Transfer Date	Oct 6, 2023
Prior Transfer Doc	0202305122
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	404 E COVELL ST, GARRETT, IN 46738-1022
Transaction Type	Mortgage
Record Updated	Nov 23, 2023
Title Company	TRADEMARK TITLE INC, TRADEMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 E COVELL ST, GARRETT, IN 46738-1022

Mortgage

Document Number	0202305617
Date	Nov 3, 2023
Instrument	202305617

Lender

Name	THREE RIVERS FCU
Type	Credit Union
Address	FORT WAYNE, IN 46815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	6.5%
Max Rate At Change	10.5%
Index	1-Year T-Bill
Max Rate	14.5%

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB IN
Recording Date	Oct 10, 2023
Property Address	404 E COVELL ST, GARRETT, IN 46738-1022
Document Number	0202305122
Instrument Date	Oct 6, 2023
Instrument	202305122
Transaction Type	Transfer
Record Updated	Oct 30, 2023

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 E COVELL ST, GARRETT, IN 46738-1022

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB IN
Recording Date	Jul 31, 2023
Property Address	404 E COVELL ST, GARRETT, IN 46738-1022
Document Number	0202303646
Instrument Date	Jul 31, 2023
Instrument	202303646
Transaction Type	Transfer
Record Updated	Aug 21, 2023

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 S GUILFORD ST, GARRETT, IN 46738-1313

July 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	DE KALB IN
Recording Date	Jul 14, 2023
Property Address	404 E COVELL ST, GARRETT, IN 46738-1022
Document Number	0202303340
Instrument Date	Jun 18, 2022
Instrument	202303340
Transaction Type	Transfer
Record Updated	Aug 3, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	404 E COVELL ST, GARRETT, IN 46738-1022
Transaction Type	Mortgage
Record Updated	Dec 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201906242
Date	Dec 4, 2019
Instrument	201906242

Lender

Name	BEACON CU
Type	Credit Union
Address	GARRETT, IN 46738

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 1, 2029

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	DeKalb County
County Subdivision	Keyser Township
Municipality	Garrett City
Unified School District	Garrett-Keyser-Butler Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,660.00 (+7%)	$145,400 (+12.19%) Land $26,500 Building $118,900	$145,400 (+12.19%) Land $26,500 Building $118,900
2024	$2,486.00 (+7.43%)	$129,600 (+12.11%) Land $24,800 Building $104,800	$129,600 (+12.11%) Land $24,800 Building $104,800
2023	$2,314.00 (+149.09%)	$115,600 (+0.78%) Land $21,600 Building $94,000	$115,600 (+0.78%) Land $21,600 Building $94,000
2022	$929.00 (+33.86%)	$114,700 Land $21,000 Building $93,700	$114,700 Land $21,000 Building $93,700
2021	$694.00

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 July 27, 2018

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 98% of the US · lower than 85% 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.

Drinking Water

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

Water System	GARRETT WATER UTILITY serves 6,390 people · EPA ID IN5217004
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 332 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Auburn Essential Services Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
MetaLINK Technologies Fixed Wireless	200 / 50
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless	100 / 20

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