407 E Commerce St, Brownstown, IN 47220 Property Records

Jackson County property record for 407 E Commerce St, Brownstown, IN 47220

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,139 sqft · built 1890
Lot Size	0.447 acres (19,471 sqft)
Owner	Individual Name on Record
Last Sale	$99,500 (Jan 2020)
Tax Bill	$1,139 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jan 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-54-14-108-047.000-002`

Property Details

APN / Parcel Number

Primary APN	`36-54-14-108-047.000-002`
Alternative APN	`00000988098`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,139 sqft Living Area
1st Floor Area	1,457 sqft
Attic	Attic
Attic Area	1,364 sqft
Basement Area	682 sqft
Unfinished Basement	682 sqft
Family Room	Family Room

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1920
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	19,471 sqft (0.447 acres)
Lot Dimensions	130 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00000988098
Street Address	407 E COMMERCE ST
City	BROWNSTOWN
State	IN
Zip	47220-2009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT BLK 1 .447A.
Legal Block	1
Jurisdiction	JACKSON IN
Township / Civil Division	BROWNSTOWN
Census Block Group	1
Census Block	1047
Census Tract	968100

Owner

Source: Jackson County records, as of June 22, 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	407 E COMMERCE ST, BROWNSTOWN, IN 47220-2009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jan 18, 2023	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jan 28, 2020	Warranty Deed, Transfer · FHA Mortgage GVC MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2020 · Amount on Record
Deed Sale	Jan 28, 2020 · Amount on Record
Deed Document Number	20201041
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON IN
Property Address	407 E COMMERCE ST, BROWNSTOWN, IN 47220-2009
Transaction Type	Mortgage
Record Updated	Oct 2, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E COMMERCE ST, BROWNSTOWN, IN 47220-2009

Mortgage

Document Number	0202505753
Date	Sep 18, 2025
Instrument	202505753

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	635 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	269 Months
Due	Feb 1, 2048

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON IN
Recording Date	Jan 18, 2023
Property Address	407 E COMMERCE ST, BROWNSTOWN, IN 47220-2009
Document Number	0202300288
Map Reference	MB 2 PG 65
Instrument Date	Jan 13, 2023
Instrument	202300288
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	ROYAL TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	407 E COMMERCE ST, BROWNSTOWN, IN 47220-2009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E COMMERCE ST, BROWNSTOWN, IN 47220-2009

Mortgage

Document Number	0202300289
Date	Jan 18, 2023
Instrument	202300289

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2048

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON IN
Recording Date	Jan 28, 2020
Property Address	407 E COMMERCE ST, BROWNSTOWN, IN 47220-2009
Document Number	0202001041
Instrument Date	Jan 27, 2020
Instrument	202001041
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	407 E COMMERCE ST, BROWNSTOWN, IN 47220-2009

Mortgage

Document Number	0202001042
Date	Jan 28, 2020
Instrument	202001042

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Jackson County
County Subdivision	Brownstown Township
Municipality	Brownstown Town
Unified School District	Brownstown Central Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,139.00 (-5.48%) Homeowner's exemption	$147,700 (+5.2%) Land $38,100 Building $109,600	$147,700 (+5.2%) Land $38,100 Building $109,600
2024	$1,205.00 (-4.67%) Homeowner's exemption	$140,400 (-4.94%) Land $38,100 Building $102,300	$140,400 (-4.94%) Land $38,100 Building $102,300
2023	$1,264.00 (+18.91%)	$147,700 (+17.32%) Land $38,100 Building $109,600	$147,700 (+17.32%) Land $38,100 Building $109,600
2022	$1,063.00	$125,900 Land $38,100 Building $87,800	$125,900 Land $38,100 Building $87,800

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 January 26, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 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	JACKSON COUNTY WATER UTILITY serves 13,667 people · EPA ID IN5236003
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2024) 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 309 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Jackson County REMC Fiber	2,000 / 1,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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