409 Ruddle Ave, Anderson, IN 46012 Property Records

Madison County property record for 409 Ruddle Ave, Anderson, IN 46012

Property Summary

Property Type	Row House
Details	2 bd · 1 ba · 821 sqft · built 1971
Lot Size	0.176 acres (7,688 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Sep 2020)
Tax Bill	$894 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`48-12-07-302-043.000-003`

Property Details

APN / Parcel Number

Primary APN	`48-12-07-302-043.000-003`
Alternative APNs	`00001177711` `189009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	821 sqft Living Area
1st Floor Area	821 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Row Home
Construction Type	Brick
Roof Material	Asphalt
Lot Area	7,688 sqft (0.176 acres)
Lot Dimensions	124 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	130 sqft
Patio Area	390 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	00001177711
Street Address	409 RUDDLE AVE
City	ANDERSON
State	IN
Zip	46012-3343
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Row House
Legal Description	J M RUDDELLS 3RD 0.0000ACRES STR: 00000 SECTION: PLAT: 47 IN: OUT:
Legal Subdivision	JM RUDDLES 3RD ADD
Jurisdiction	MADISON IN
Township / Civil Division	ANDERSON
Census Block Group	3
Census Block	3011
Census Tract	1100

Owner

409 Ruddle Ave, a row house, is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	409 RUDDLE AVE, ANDERSON, IN 46012-3343
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2020 · Amount on File
Deed Sale	Sep 1, 2020 · Amount on File
Prior Sale	Dec 28, 2016 · Amount on File
Deed Document Number	202012713
Record Updated	Sep 20, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IN
Recording Date	Sep 1, 2020
Property Address	409 RUDDLE AVE, ANDERSON, IN 46012-3343
Document Number	2020R12713
Map Reference	BK4 PG52
Instrument Date	Aug 31, 2020
Instrument	2020R12713
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	ROWLAND TITLE

Transaction

Amount	Amount on Record
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	409 RUDDLE AVE, ANDERSON, IN 46012-3343

Mortgage

Document Number	2020R12714
Date	Sep 1, 2020
Instrument	2020R12714

Lender

Name	CALIBER HOME LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 409 Ruddle Ave was $894 with a homeowner's exemption, down 33.3% from the year before.

Source: Madison County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
Municipality	Anderson City
County	Madison County
County Subdivision	Anderson Township
Unified School District	Anderson Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$894.00 (-33.33%) Homeowner's exemption	$81,200 Land $8,600 Building $72,600	$81,200 Land $8,600 Building $72,600
2024	$1,341.00
2023		$74,800 (+0.67%) Land $8,300 Building $66,500	$74,800 (+0.67%) Land $8,300 Building $66,500
2022	$1,137.00	$74,300 Land $7,800 Building $66,500	$74,300 Land $7,800 Building $66,500

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

Flood

FEMA maps place 409 Ruddle Ave in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	10 (1990–2026)
Claims Outside the SFHA	4 of 10
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 · 2 claims Severe Storms, Tornadoes, And Flooding, Sep 2003 · 4 claims Severe Storms & Flooding, Dec 1990 · 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

Wildfire risk around 409 Ruddle Ave 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	ANDERSON WATER DEPARTMENT serves 55,212 people · EPA ID IN5248002
Water Source	Groundwater influenced by surface water
Last State Inspection	Feb 2026
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Dec 2024
Treatment and Procedure	Corrosion control Jan 2026
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, BridgeMAXX Suncoast Broadband, Brightspeed, Mercury Fiber, Verizon.