405 E Michael St, Fremont, IN 46737 Property Records

Steuben County property record for 405 E Michael St, Fremont, IN 46737

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,272 sqft · built 1991
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$114,900 (Mar 2019)
Tax Bill	$897 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`76-02-21-340-107.000-004`

Property Details

APN / Parcel Number

Primary APN	`76-02-21-340-107.000-004`
Alternative APNs	`02-21-340-107.000-34` `00000990277`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,272 sqft Living Area
1st Floor Area	2,072 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00000990277
Street Address	405 E MICHAEL ST
City	FREMONT
State	IN
Zip	46737-2126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H & H LOT 11
Legal Subdivision	HOWELL AND HALLS ADDITION
Legal Lot Number	11
Jurisdiction	STEUBEN IN
Township / Civil Division	FREMONT
Census Block Group	2
Census Block	2024
Census Tract	970800

Owner

405 E Michael St is owned and occupied by an individual who bought it in March 2019.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 256, FREMONT, IN 46737-0256
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
Aug 12, 2022	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 1, 2019	Warranty Deed, Transfer · Conventional Mortgage PROFED FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2019 · Amount on File
Deed Sale	Mar 1, 2019 · Amount on File
Prior Sale	Aug 14, 2013 · Amount on File
Deed Document Number	201930012
Prior Transfer Date	Jul 11, 2013
Prior Transfer Doc	0000080324
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN IN
Property Address	405 E MICHAEL ST, FREMONT, IN 46737-2126
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022080295
Date	Aug 12, 2022
Instrument	22080295

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEUBEN IN
Recording Date	Mar 1, 2019
Property Address	405 E MICHAEL ST, FREMONT, IN 46737-2126
Document Number	0019030012
Map Reference	MB 1A PG 20
Instrument Date	Feb 20, 2019
Instrument	19030012
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 256, FREMONT, IN 46737-0256

Mortgage

Document Number	0019030013
Date	Mar 1, 2019
Instrument	19030013

Lender

Name	PROFED FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 405 E Michael St was $897 with a homeowner's exemption, up 2.2% 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	$897.00 (+2.16%) Homeowner's exemption	$167,600 (+10.92%) Land $17,200 Building $150,400	$167,600 (+10.92%) Land $17,200 Building $150,400
2024	$878.00 Homeowner's exemption	$151,100 (+3.85%) Land $15,600 Building $135,500	$151,100 (+3.85%) Land $15,600 Building $135,500
2023		$145,500 (+11.07%) Land $14,900 Building $130,600	$145,500 (+11.07%) Land $14,900 Building $130,600
2022	$791.00	$131,000 Land $13,200 Building $117,800	$131,000 Land $13,200 Building $117,800

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

Flood

FEMA maps place 405 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 405 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	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	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 135 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
MetaLINK Technologies Fixed Wireless	200 / 50
Mercury Fiber Fixed Wireless	150 / 20
Lakeland Internet Fixed Wireless	100 / 20

May also be available: Watch TV.

Cell Coverage

5G (outdoors only) and 4G LTE

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