409 E 500 S, Cutler, IN 46920 Property Records

Carroll County property record for 409 E 500 S, Cutler, IN 46920

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,872 sqft · built 1992
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Last Sale	$289,600 (May 2020)
Tax Bill	$2,362 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-10-34-000-086.000-008`

Property Details

APN / Parcel Number

Primary APN	`08-10-34-000-086.000-008`
Alternative APNs	`01225464232` `0061203700`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,872 sqft Living Area
1st Floor Area	3,112 sqft
Basement Area	240 sqft
Unfinished Basement	240 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Metal
Lot Area	130,680 sqft (3 acres)
Garage Type	Attached
Garage Area	1,020 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	01225464232
Street Address	409 E 500 S
City	CUTLER
State	IN
Zip	46920-9470
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	006-12037-00 PT SE SW 34-24-1 3 AC
Jurisdiction	CARROLL IN
Township / Civil Division	DEMOCRAT
Census Block Group	2
Census Block	2042
Census Tract	959900

Owner

Source: Carroll County records, as of June 19, 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	409 E 500 S, CUTLER, IN 46920-9470
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2023	Deed of Trust, Mortgage · Line of Credit FIRST MERCHANTS BANK
May 28, 2020	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK
Aug 16, 2019	Deed of Trust, Mortgage · Line of Credit SECURITY FEDERAL SVGS BANK
Apr 26, 2018	Deed of Trust, Mortgage · Line of Credit SECURITY FEDERAL SVGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2020 · Amount on Record
Deed Sale	May 28, 2020 · Amount on Record
Prior Sale	Aug 3, 2016
Deed Document Number	20201547
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	409 E 500 S, CUTLER, IN 46920-9470
Transaction Type	Mortgage
Record Updated	Sep 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E 500 S, CUTLER, IN 46920-9470

Mortgage

Document Number	2023002288
Date	Aug 31, 2023
Instrument	2023002288

Lender

Name	FIRST MERCHANTS BANK
Type	Bank
Address	LAFAYETTE, IN 47905

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARROLL IN
Recording Date	May 28, 2020
Property Address	409 E 500 S, CUTLER, IN 46920-9470
Document Number	2020001547
Instrument Date	May 20, 2020
Instrument	2020001547
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	COLUMBIA TITLE, COLUMBIA TITLE INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E 500 S, CUTLER, IN 46920-9470

Mortgage

Document Number	2020001548
Date	May 28, 2020
Instrument	2020001548

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	409 E 500 S, CUTLER, IN 46920-9470
Transaction Type	Mortgage
Record Updated	Aug 28, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019002409
Date	Aug 16, 2019
Instrument	2019002409

Lender

Name	SECURITY FEDERAL SVGS BANK
Type	Bank
Address	LOGANSPORT, IN 46947

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Sep 1, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	409 E 500 S, CUTLER, IN 46920-9470
Transaction Type	Mortgage
Record Updated	Jun 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018001254
Date	Apr 26, 2018
Instrument	2018001254

Lender

Name	SECURITY FEDERAL SVGS BANK
Type	Bank
Address	LOGANSPORT, IN 46947

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Carroll County
County Subdivision	Democrat Township
Unified School District	Carroll Consolidated School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,362.00 (+3.64%) Homeowner's exemption	$486,600 (+51.87%) Land $43,000 Building $443,600	$486,600 (+51.87%) Land $43,000 Building $443,600
2024	$2,279.00 (+26.05%)
2023		$320,400 (+4.36%) Land $39,700 Building $280,700	$320,400 (+4.36%) Land $39,700 Building $280,700
2022	$1,808.00	$307,000 Land $39,700 Building $267,300	$307,000 Land $39,700 Building $267,300

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 May 7, 2024 · 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	3 in force
Nearby Flood Claims	3 (2003–2013)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Apr 2013 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jul 2003 · 2 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 98% of the US · lower than 85% of Indiana
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mulberry Cooperative Telephone Company Fiber	1,000 / 1,000
On-Ramp Indiana Fixed Wireless	100 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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