Madison County property record for 450 E Water St, Pendleton, IN 46064 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1980 |
| Square Footage | 3,010 sqft Living Area |
| Lot Size | 150,718 sqft (3.46 acres) |
| Garage | Mixed, 968 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $4,863.00 (2025) |
| Primary APN | 34-1514-0-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Building Area | 3,010 sqft Living Area |
| 1st Floor | 3,010 sqft 1st Floor |
| Basement Area | 1,110 sqft Basement |
| Unfinished Basement | 1,110 sqft Unfinished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1980 |
| Construction Type | Brick Construction |
| Foundation Type | No Foundation Foundation |
| Roof Material | Asphalt Roof |
| Lot Area | 150,718 sqft (3.46 acres) |
| Parking Spaces | 4 Parking Spaces |
| Garage Type | Mixed Garage |
| Garage Area | 968 sqft Garage |
| Porch | 1 Porch |
| Porch Area | 631 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 00001223382 |
|---|---|
| Street Address | 450 E WATER ST |
| City | PENDLETON |
| State | IN |
| Zip | 46064-1050 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | NW COR NE 3.4600ACRES STR: 21187 SECTION: PLAT: 00 IN: OUT: |
| Jurisdiction | MADISON IN |
| Minor Civil Division | FALL CREEK |
| Census Blockgroup | 1 |
| Census Block | 1037 |
| Census Tract | 11700 |
Source: Madison County records · APN 34-1514-0-1
Assessment roll updated June 23, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 450 E WATER ST, PENDLETON, IN 46064-1050 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 26, 2023 | Deed of Trust, Mortgage · Line of Credit HORIZON BANK NA |
| Oct 03, 2022 | Intrafamily Transfer, Transfer |
| Apr 05, 2022 | Intrafamily Transfer, Transfer |
| Jan 05, 2022 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE CO INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IN |
| Property Address | 450 E WATER ST, PENDLETON, IN 46064-1050 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2023R01331 |
|---|---|
| Date | Jan 26, 2023 |
| Instrument | 2023R01331 |
| Name | HORIZON BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 19, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON IN |
| Recording Date | Oct 03, 2022 |
| Property Address | 450 E WATER ST, PENDLETON, IN 46064-1050 |
| Document Number | 2022R16622 |
| Instrument Date | Oct 01, 2022 |
| Instrument | 2022R16622 |
| Transaction Type | Transfer |
| Record Updated | Nov 03, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 467 E STATE ST, 467, PENDLETON, IN 46064-1032 |
| Name | Verified Name |
|---|---|
| Address | 467 E STATE ST, PENDLETON, IN 46064-1032 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON IN |
| Recording Date | Apr 05, 2022 |
| Property Address | 450 E WATER ST, PENDLETON, IN 46064-1050 |
| Document Number | 2022R06045 |
| Instrument Date | Apr 05, 2022 |
| Instrument | 2022R06045 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 467 E STATE ST, PENDLETON, IN 46064-1032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IN |
| Property Address | 450 E WATER ST, PENDLETON, IN 46064-1050 |
| Transaction Type | Mortgage |
| Record Updated | Feb 09, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2022R00195 |
|---|---|
| Date | Jan 05, 2022 |
| Instrument | 2022R00195 |
| Name | RUOFF MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 192 Months |
| Due | Jan 01, 2037 |
| Rate Type | Fixed Rate |
|---|
Source: Madison County records · Assessment roll updated June 23, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Madison County |
| County Subdivision | Fall Creek Township |
| Municipality | Pendleton Town |
| Unified School District | South Madison Community School Corporation (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,863.00 (+5.28%) Homeowner's exemption | $489,700 (+19.41%) Land $37,000 Building $452,700 | $489,700 (+19.41%) Land $37,000 Building $452,700 |
| 2024 | $4,619.00 (+11.33%) | ||
| 2023 | $410,100 (+4.86%) Land $35,200 Building $374,900 | $410,100 (+4.86%) Land $35,200 Building $374,900 | |
| 2022 | $4,149.00 Homeowner's exemption | $391,100 Land $33,500 Building $357,600 | $391,100 Land $33,500 Building $357,600 |
450 E Water St is in FEMA Zone X (minimal flood hazard (unshaded X)), outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Madison County (18095C), updated August 10, 2019
| FEMA Flood Zone | Zone X minimal flood hazard (unshaded X) |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024)
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Lookups use the parcel center point against federal datasets; a lot that straddles a boundary may differ at its edges, and lenders make the official flood determination. Wildfire values come from a national model at roughly 900 ft resolution with fuels as of 2020 and describe conditions, not a forecast.
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