4990 S 400 E, Cutler, IN 46920 Property Records

Carroll County property record for 4990 S 400 E, Cutler, IN 46920

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 4,132 sqft · built 1998
Lot Size	1.43 acres (62,421 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Feb 2022)
Tax Bill	$1,928 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-09-31-000-048.000-002`

Property Details

APN / Parcel Number

Primary APN	`08-09-31-000-048.000-002`
Alternative APNs	`01412577145` `0021501900`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,132 sqft Living Area
1st Floor Area	4,328 sqft
Basement Area	196 sqft
Unfinished Basement	196 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	62,421 sqft (1.43 acres)
Terrain	High
Garage Type	Attached
Garage Area	1,188 sqft
Parking Spaces	4 Parking Spaces
Pool Type	Above-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	01412577145
Street Address	4990 S 400 E
City	CUTLER
State	IN
Zip	46920-9419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	002-15019-00 BURLINGTON HEIGHTS LOT 18
Legal Subdivision	BURLINGTON HEIGHTS
Legal Lot Number	18
Jurisdiction	CARROLL IN
Township / Civil Division	BURLINGTON
Census Block Group	1
Census Block	1054
Census Tract	959900

Owner

4990 S 400 E is owned and occupied by two individuals who bought it in February 2022.

Source: Carroll County records, as of June 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4990 S 400 E, CUTLER, IN 46920-9419
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
Dec 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 24, 2022	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC
Mar 13, 2018	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA
Jan 27, 2017	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2022 · Amount on File
Deed Sale	Feb 24, 2022 · Amount on File
Prior Sale	Mar 13, 2018 · Amount on File
Deed Document Number	2022694
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	4990 S 400 E, CUTLER, IN 46920-9419
Transaction Type	Mortgage
Record Updated	May 19, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021004638
Date	Dec 16, 2021
Instrument	2021004638

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARROLL IN
Recording Date	Feb 24, 2022
Property Address	4990 S 400 E, CUTLER, IN 46920-9419
Document Number	2022000694
Map Reference	MB 4 PG 15
Instrument Date	Feb 18, 2022
Instrument	2022000694
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	COLUMBIA TITLE, COLUMBIA TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4990 S 400 E, CUTLER, IN 46920-9419

Mortgage

Document Number	2022000695
Date	Feb 24, 2022
Instrument	2022000695

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARROLL IN
Recording Date	Mar 13, 2018
Property Address	4990 S 400 E, CUTLER, IN 46920-9419
Document Number	2018000818
Map Reference	MB 4 PG 15
Instrument Date	Mar 9, 2018
Instrument	2018000818
Transaction Type	Transfer
Record Updated	May 19, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4900 S 400 E, CUTLER, IN 46920-9419

Mortgage

Document Number	2018000819
Date	Mar 13, 2018
Instrument	2018000819

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

January 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CARROLL IN
Recording Date	Jan 27, 2017
Property Address	4990 S 400 E, CUTLER, IN 46920-9419
Document Number	2017000291
Map Reference	MB 4 PG 15
Instrument Date	Dec 20, 2016
Instrument	2017000291
Transaction Type	Transfer
Record Updated	May 19, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4801 FREDERICA ST, OWENSBORO, KY 42301-7441

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4990 S 400 E, CUTLER, IN 46920-9419

Tax Assessment & Valuation

The 2025 property tax bill for 4990 S 400 E was $1,928 with a homeowner's exemption, up 5.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,928.00 (+5.7%) Homeowner's exemption	$423,500 Land $46,000 Building $377,500	$423,500 Land $46,000 Building $377,500
2024	$1,824.00
2023		$337,300 (+12.92%) Land $38,600 Building $298,700	$337,300 (+12.92%) Land $38,600 Building $298,700
2022	$1,749.00	$298,700 Land $33,500 Building $265,200	$298,700 Land $33,500 Building $265,200

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

Flood

FEMA maps place 4990 S 400 E in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 7, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 4990 S 400 E 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 97% of the US · lower than 78% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mulberry Cooperative Telephone Company Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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