426 E Elm St, Winchester, IN 47394 Property Records

Randolph County property record for 426 E Elm St, Winchester, IN 47394

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,044 sqft · built 1950
Lot Size	0.199 acres (8,650 sqft)
Owner	Individual Name on Record
Tax Bill	$106 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit Sep 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`021-02450-00`

Property Details

APN / Parcel Number

Primary APN	`021-02450-00`
Alternative APNs	`68-09-21-353-046.000-021` `00000019047`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,044 sqft Living Area
1st Floor Area	1,044 sqft
Family Room	Family Room

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1970
Construction Type	Metal Frame
Foundation Type	No Foundation
Roof Material	Metal
Lot Area	8,650 sqft (0.199 acres)
Lot Dimensions	173 ft deep x 50 ft wide
Garage Type	Mixed
Garage Area	792 sqft
Parking Spaces	4 Parking Spaces
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	00000019047
Street Address	426 E ELM ST
City	WINCHESTER
State	IN
Zip	47394-2212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ENGLE MARKLE ADD LOT 87
Legal Subdivision	ENGLE AND MARKLES ADDITION
Legal Lot Number	87
Jurisdiction	RANDOLPH IN
Township / Civil Division	WHITE RIVER
Census Block Group	3
Census Block	3025
Census Tract	951700

Owner

Source: Randolph County records, as of June 2, 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	426 E ELM ST, WINCHESTER, IN 47394-2212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2020	Deed of Trust, Mortgage · Line of Credit THE FARMERS STATE BANK
Sep 7, 2022	Deed of Trust, Mortgage · Commercial Mortgage THE FARMERS STATE BANK
Feb 28, 2019	Warranty Deed, Transfer · ARM THE FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2023
Deed Sale	Sep 1, 2023
Prior Sale	Feb 28, 2019 · Amount on Record
Deed Document Number	20233577
Prior Transfer Date	Jun 18, 2012
Prior Transfer Doc	0020122634
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH IN
Property Address	426 E ELM ST, WINCHESTER, IN 47394-2212
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 E ELM ST, WINCHESTER, IN 47394-2212

Mortgage

Document Number	0020204822
Date	Nov 19, 2020
Instrument	20204822

Lender

Name	THE FARMERS STATE BANK
Type	Bank
Address	WINCHESTER, IN 47394

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 25, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH IN
Property Address	426 E ELM ST, WINCHESTER, IN 47394-2212
Transaction Type	Mortgage
Record Updated	Sep 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 E ELM ST, WINCHESTER, IN 47394-2212

Mortgage

Document Number	0020224442
Date	Sep 7, 2022
Instrument	20224442

Lender

Name	THE FARMERS STATE BANK
Type	Bank
Address	GREENVILLE, OH 45331

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 7, 2052

Interest

Rate Type	Adjustable Rate

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RANDOLPH IN
Recording Date	Feb 28, 2019
Property Address	426 E ELM ST, WINCHESTER, IN 47394-2212
Document Number	20190545
Instrument Date	Feb 21, 2019
Instrument	20190545
Transaction Type	Transfer
Record Updated	Dec 10, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 E ELM ST, WINCHESTER, IN 47394-2212

Mortgage

Document Number	20190546
Date	Feb 28, 2019
Instrument	20190546

Lender

Name	THE FARMERS STATE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Feb 27, 2024
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	13.2%
Index	1-Year CMT

Tax Assessment & Valuation

Source: Randolph County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Randolph County
County Subdivision	White River Township
Municipality	Winchester City
Unified School District	Randolph Central School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$106.00 (-82.09%) Homeowner's exemption	$94,800 (+64.87%) Land $4,000 Building $90,800	$94,800 (+64.87%) Land $4,000 Building $90,800
2024	$592.00 (+63.99%)
2023		$57,500 (+31.58%) Land $7,700 Building $49,800	$57,500 (+31.58%) Land $7,700 Building $49,800
2022	$361.00	$43,700 Land $7,700 Building $36,000	$43,700 Land $7,700 Building $36,000

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 March 4, 2013 · 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	9 in force
Nearby Flood Claims	3 (2005–2025)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Apr 2025 · river or lake flooding

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	INDIANA AMERICAN WATER - WINCHESTER private · serves 5,405 people · EPA ID IN5268003
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
NLBC Fixed Wireless · Fiber in parts of the area	1,000 / 200
Verizon Fixed Wireless	300 / 20

May also be available: Watch TV.

Nearby Properties on E Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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