408 E Water St, Centerville, IN 47330 Property Records

Wayne County property record for 408 E Water St, Centerville, IN 47330

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 960 sqft · built 1962
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$57,655 (Jan 2026)
Tax Bill	$2,230 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2010 Line of Credit + 4 more
Flood Zone	Zone AE (high risk)
APN	`020-00100-00`

Property Details

APN / Parcel Number

Primary APN	`020-00100-00`
Alternative APNs	`89-10-20-310-206.000-007` `312031020600020`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Construction Type	Wood
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
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	312031020600020
Street Address	408 E WATER ST
City	CENTERVILLE
State	IN
Zip	47330-1333
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	PT SW SEC 20-16-14 0.32A
Legal Range	14
Legal Township	16
Legal Section	20
Jurisdiction	WAYNE IN
Township / Civil Division	CENTER
Census Block Group	1
Census Block	1012
Census Tract	10800

Owner

Source: Wayne County records, as of June 26, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4549 WILLOW GROVE RD, CENTERVILLE, IN 47330-9709
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Jan 12, 2010	Deed of Trust, Mortgage · Line of Credit US BANK NA ND
Jan 16, 2026	Special Warranty Deed, Transfer · Conventional Mortgage THREE RIVERS FCU
Jan 16, 2026	Special Warranty Deed, Transfer · Conventional Mortgage THREE RIVERS FCU
May 16, 2025	Special Warranty Deed, Foreclosure
Jan 3, 2025	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2026 · Amount on Record
Deed Sale	Jan 16, 2026 · Amount on Record
Prior Sale	May 16, 2025
Deed Document Number	2026317
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE IN
Property Address	408 E WATER ST, CENTERVILLE, IN 47330-1333
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020010035
Date	Dec 7, 2020
Instrument	2020010035

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

January 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE IN
Property Address	408 E WATER ST, CENTERVILLE, IN 47330-1333
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010000223
Date	Jan 12, 2010
Instrument	2010000223

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2040

January 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WAYNE IN
Recording Date	Jan 16, 2026
Property Address	408 E WATER ST, CENTERVILLE, IN 47330-1333
Document Number	2026000317
Instrument Date	Jan 16, 2026
Instrument	2026000317
Transaction Type	Transfer
Record Updated	Jan 30, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4549 WILLOW GROVE RD, CENTERVILLE, IN 47330-9709

Mortgage

Document Number	2026000318
Date	Jan 16, 2026
Instrument	2026000318

Lender

Name	THREE RIVERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

January 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WAYNE IN
Recording Date	Jan 16, 2026
Property Address	408 E WATER ST, CENTERVILLE, IN 47330-1333
Document Number	2026000317
Instrument Date	Jan 16, 2026
Instrument	2026000317
Transaction Type	Transfer
Record Updated	May 1, 2026

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
Relationship	Joint Tenants with Right of Survivorship
Address	4549 WILLOW GROVE RD, CENTERVILLE, IN 47330-9709

Mortgage

Document Number	2026000318
Date	Jan 16, 2026
Instrument	2026000318

Lender

Name	THREE RIVERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

May 2025: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	WAYNE IN
Recording Date	May 16, 2025
Property Address	408 E WATER ST, CENTERVILLE, IN 47330-1333
Document Number	2025003362
Instrument Date	Jan 15, 2025
Instrument	2025003362
Transaction Type	Foreclosure
Record Updated	May 1, 2026

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 N CLASSEN BLVD STE 3200, 3200, OKLAHOMA CITY, OK 73106-6034
Investor	Possibly a Property Investor

January 2025: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	WAYNE IN
Recording Date	Jan 3, 2025
Property Address	408 E WATER ST, CENTERVILLE, IN 47330-1333
Document Number	2025000044
Instrument Date	Dec 12, 2024
Instrument	2025000044
Transaction Type	Foreclosure
Record Updated	May 1, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1050 WOODWARD AVE, DETROIT, MI 48226-3573

Tax Assessment & Valuation

Source: Wayne County assessment roll, as of June 26, 2026

Property Jurisdictions

Type	Name
State	Indiana
Municipality	Centerville Town
County	Wayne County
County Subdivision	Center Township
Unified School District	Centerville-Abington Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,230.00 (+17.18%)	$111,500 (+17.12%) Land $12,100 Building $99,400	$111,500 (+17.12%) Land $12,100 Building $99,400
2024	$1,903.00 (+106.18%)	$95,200 (+10.83%) Land $10,300 Building $84,900	$95,200 (+10.83%) Land $10,300 Building $84,900
2023		$85,900 (-5.19%) Land $9,300 Building $76,600	$85,900 (-5.19%) Land $9,300 Building $76,600
2022	$923.00	$90,600 Land $9,300 Building $81,300	$90,600 Land $9,300 Building $81,300

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 April 1, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	6 in force
Nearby Flood Claims	5 (2008–2026)
Most Recent Claim	Aug 2026 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Aug 2026 · 3 claims

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 97% of the US · lower than 78% 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	CENTERVILLE WATER WORKS serves 2,533 people · EPA ID IN5289003
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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 285 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: BridgeMAXX Suncoast Broadband, NLBC, Verizon.

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