407 E Covell St, Garrett, IN 46738 Property Records

DeKalb County property record for 407 E Covell St, Garrett, IN 46738

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1920
Lot Size	0.281 acres (12,240 sqft)
Owner	Individual Name on File
Last Sale	$79,900 (Aug 2019)
Tax Bill	$900 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-05-34-309-003.000-013`

Property Details

APN / Parcel Number

Primary APN	`17-05-34-309-003.000-013`
Alternative APN	`260534309003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1960
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	12,240 sqft (0.281 acres)
Lot Dimensions	125 ft deep x 98 ft wide
Terrain	Rolling
Garage Type	Mixed
Garage Area	1,100 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	260534309003
Street Address	407 E COVELL ST
City	GARRETT
State	IN
Zip	46738-1021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 3 & 2 IN OZMUN 3RD ADD LOT 3
Legal Subdivision	OZMUN 3RD ADD
Legal Block	2
Legal Lot Number	3,2
Jurisdiction	DE KALB IN
Township / Civil Division	KEYSER
Census Block Group	3
Census Block	3034
Census Tract	20602

Owner

407 E Covell St is owned and occupied by an individual who bought it in August 2019.

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

Owner of Record	Individual Name on File
Mailing Address	407 E COVELL ST, GARRETT, IN 46738-1021
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
Sep 21, 2021	Deed of Trust, Mortgage THE GARRETT STATE BANK
Aug 19, 2019	Warranty Deed, Transfer · Conventional Mortgage THE GARRETT STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2019 · Amount on File
Deed Sale	Aug 19, 2019 · Amount on File
Prior Sale	May 9, 1996 · Amount on File
Deed Document Number	20193904
Prior Transfer Date	Jun 21, 2011
Prior Transfer Doc	0000003251
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	407 E COVELL ST, GARRETT, IN 46738-1021
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E COVELL ST, GARRETT, IN 46738-1021

Mortgage

Document Number	0202106972
Date	Sep 21, 2021
Instrument	202106972

Lender

Name	THE GARRETT STATE BANK
Type	Bank
Address	GARRETT, IN 46738

Agreement

Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IN
Recording Date	Aug 19, 2019
Property Address	407 E COVELL ST, GARRETT, IN 46738-1021
Document Number	201903904
Instrument Date	Aug 15, 2019
Instrument	201903904
Transaction Type	Transfer
Record Updated	Nov 29, 2021
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E COVELL ST, GARRETT, IN 46738-1021

Mortgage

Document Number	201903905
Date	Aug 19, 2019
Instrument	201903905

Lender

Name	THE GARRETT STATE BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 407 E Covell St was $900, up 9.4% from the year before.

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	$900.00 (+9.36%)	$133,500 (+12.75%) Land $53,000 Building $80,500	$133,500 (+12.75%) Land $53,000 Building $80,500
2024	$823.00 (+27.01%)	$118,400 (+12.55%) Land $49,600 Building $68,800	$118,400 (+12.55%) Land $49,600 Building $68,800
2023	$648.00 (-18.9%)	$105,200 (+1.35%) Land $43,200 Building $62,000	$105,200 (+1.35%) Land $43,200 Building $62,000
2022	$799.00	$103,800 Land $41,900 Building $61,900	$103,800 Land $41,900 Building $61,900

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

Flood

FEMA maps place 407 E Covell St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 407 E Covell St 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 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

May also be available: Watch TV.

Nearby Properties on E Covell St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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