4590 S 300 W, Poneto, IN 46781 Property Records

Wells County property record for 4590 S 300 W, Poneto, IN 46781

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,888 sqft · built 1943
Lot Size	2.93 acres (127,631 sqft)
Owner	Individual Name on File
Tax Bill	$2,259 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`90-09-28-400-009.000-013`

Property Details

APN / Parcel Number

Primary APN	`90-09-28-400-009.000-013`
Alternative APNs	`00001589303` `0060449502`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,888 sqft Living Area
1st Floor Area	2,888 sqft
Basement Area	528 sqft
Unfinished Basement	528 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1943
Effective Year Built	Effective 2000
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	127,631 sqft (2.93 acres)
Garage Type	Mixed
Garage Area	2,176 sqft
Parking Spaces	7 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	00001589303
Street Address	4590 S 300 W
City	PONETO
State	IN
Zip	46781-9724
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	28-26-11 2.93A S 254' OF N 654' OF E 472' SE
Jurisdiction	WELLS IN
Township / Civil Division	LIBERTY
Census Block Group	2
Census Block	2003
Census Tract	40700

Owner

4590 S 300 W is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	4590 S 300 W, PONETO, IN 46781-9724
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

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK BERNIE
Aug 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK BERNIE
Aug 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK BERNIE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	4590 S 300 W, PONETO, IN 46781-9724
Transaction Type	Mortgage
Record Updated	Oct 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20214304
Date	Sep 21, 2021
Instrument	20214304

Lender

Name	FIRST BANK BERNIE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 13, 2051

Interest

Rate Type	Fixed Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	4590 S 300 W, PONETO, IN 46781-9724
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20203715
Date	Aug 27, 2020
Instrument	20203715

Lender

Name	FIRST BANK BERNIE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	4590 S 300 W, PONETO, IN 46781-9724
Transaction Type	Mortgage
Record Updated	Feb 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 20170735
Date	Aug 28, 2017
Instrument	20170735

Lender

Name	FIRST BANK BERNIE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	9 Months
Due	Apr 30, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4590 S 300 W was $2,259 with a homeowner's exemption, up 9.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Indiana
County	Wells County
County Subdivision	Liberty Township
Unified School District	Southern Wells Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,259.00 (+9.5%) Homeowner's exemption	$374,500 Land $65,200 Building $309,300	$374,500 Land $65,200 Building $309,300
2024	$2,063.00
2023		$335,200 (+5.71%) Land $65,200 Building $270,000	$335,200 (+5.71%) Land $65,200 Building $270,000
2022	$1,794.00	$317,100 Land $44,700 Building $272,400	$317,100 Land $44,700 Building $272,400

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

Flood

FEMA maps place 4590 S 300 W in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 30, 2016 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

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

The area around 4590 S 300 W has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Citizens Telephone Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S 300 W

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