5115 E State Rd 427, Hamilton, IN 46742 Property Records

Steuben County property record for 5115 E State Rd 427, Hamilton, IN 46742

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,200 sqft · built 1973
Lot Size	24.7 acres (1,080,027 sqft)
Owner	2 Individual Names on Record
Last Sale	$281,300 (Apr 2012)
Tax Bill	$1,868 (2025)
Deeds & Mortgages	May 2020 Mortgage Jan 2010 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`76-10-26-000-017.000-009`

Property Details

APN / Parcel Number

Primary APN	`76-10-26-000-017.000-009`
Alternative APNs	`10-26-000-017.000-11` `00001048651`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1983
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	1,080,027 sqft (24.7 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	256 sqft
Lean-To	672 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001048651
Street Address	5115 E STATE ROAD 427
City	HAMILTON
State	IN
Zip	46742-9516
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PT W 1/2 SW 1/4 SEC 26 24.794A
Jurisdiction	STEUBEN IN
Township / Civil Division	OTSEGO
Census Block Group	1
Census Block	1070
Census Tract	971600

Owner

Source: Steuben County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5115 E STATE ROAD 427, HAMILTON, IN 46742-9516
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jan 7, 2010	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jan 24, 2006	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 9, 2012	Warranty Deed, Transfer FARMERS & MERCHANTS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2012 · Amount on Record
Deed Sale	Apr 9, 2012 · Amount on Record
Prior Sale	Apr 3, 2012 · Amount on Record
Deed Document Number	201240201
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN IN
Property Address	5115 E STATE ROAD 427, HAMILTON, IN 46742-9516
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020050036
Date	May 1, 2020
Instrument	20050036

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2035

January 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN IN
Property Address	5115 E STATE ROAD 427, HAMILTON, IN 46742-9516
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	LSI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010010157
Date	Jan 7, 2010
Instrument	10010157

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	NEWARK, NJ 07101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2025

January 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN IN
Property Address	5115 E STATE ROAD 427, HAMILTON, IN 46742-9516
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006010476
Date	Jan 24, 2006
Instrument	06010476

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50306

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2021

April 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEUBEN IN
Recording Date	Apr 9, 2012
Property Address	5115 E STATE ROAD 427, HAMILTON, IN 46742-9516
Document Number	0012040201
Instrument Date	Apr 3, 2012
Instrument	12040201
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5115 E S 2427, HAMILTON, IN 46742

Mortgage

Document Number	0012040202
Date	Apr 9, 2012
Instrument	12040202

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank
Address	LAOTTO, IN 46763

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Apr 3, 2022

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Steuben County
County Subdivision	Otsego Township
Unified School District	Hamilton Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,868.00 (+10.27%) Homeowner's exemption	$309,900 (+3.44%) Land $72,600 Building $237,300	$309,900 (+3.44%) Land $72,600 Building $237,300
2024	$1,694.00 (+16.19%) Homeowner's exemption	$299,600 (+6.43%) Land $72,100 Building $227,500	$299,600 (+6.43%) Land $72,100 Building $227,500
2023		$281,500 (+8.98%) Land $64,300 Building $217,200	$281,500 (+8.98%) Land $64,300 Building $217,200
2022	$1,458.00	$258,300 Land $49,800 Building $208,500	$258,300 Land $49,800 Building $208,500

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 July 3, 2023 · 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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (1985–1996)
Most Recent Claim	May 1996 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 1996 · 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

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

Wildfire Risk	Low lower than 80% of the US · above 73% of Indiana
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Steuben County REMC Fiber	1,000 / 1,000
Lakeland Internet Fixed Wireless	500 / 100
MetaLINK Technologies Fixed Wireless	500 / 100
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

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