Adams County property record for 518 E Water St, Berne, IN 46711
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,540 sqft · built 1906 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $127,500 (Dec 2021) |
| Tax Bill | $1,003 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-08-33-401-029.000-010 |
| Primary APN | 01-08-33-401-029.000-010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,540 sqft Living Area |
| 1st Floor Area | 1,540 sqft |
| Basement Area | 644 sqft |
| Unfinished Basement | 644 sqft |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1906 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Metal |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 00290350824 |
|---|---|
| Street Address | 518 E WATER ST |
| City | BERNE |
| State | IN |
| Zip | 46711-1235 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JOHN SPRUNGER'S OUTLOT 3 E 60' N/2 |
| Legal Subdivision | JOHN SPRUNGERS ADD |
| Legal Lot Number | 3 |
| Jurisdiction | ADAMS IN |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 30600 |
518 E Water St is owned and occupied by an individual who bought it in December 2021.
Source: Adams County records, as of June 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 518 E WATER ST, BERNE, IN 46711-1235 |
| 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.
| Date | Document |
|---|---|
| Jan 28, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST BANK OF BERNE |
| Dec 28, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST BANK OF BERNE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2021 · Amount on File |
| Deed Sale | Dec 28, 2021 · Amount on File |
| Prior Sale | Nov 13, 2006 · Amount on File |
| Deed Document Number | 20216557 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS IN |
| Property Address | 518 E WATER ST, BERNE, IN 46711-1235 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2026000377 |
|---|---|
| Date | Jan 28, 2026 |
| Instrument | 2026000377 |
| Name | FIRST BANK OF BERNE |
|---|---|
| Type | Bank |
| Address | BERNE, IN 46711 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 25, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ADAMS IN |
| Recording Date | Dec 28, 2021 |
| Property Address | 518 E WATER ST, BERNE, IN 46711-1235 |
| Document Number | 2021006557 |
| Instrument Date | Dec 22, 2021 |
| Instrument | 2021006557 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 518 E WATER ST, BERNE, IN 46711-1235 |
| Document Number | 2021006558 |
|---|---|
| Date | Dec 28, 2021 |
| Instrument | 2021006558 |
| Name | FIRST BANK OF BERNE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
The 2025 property tax bill for 518 E Water St was $1,003 with a homeowner's exemption, up 2.1% from the year before.
Source: Adams County assessment roll, as of June 19, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Adams County |
| County Subdivision | Monroe Township |
| Municipality | Berne City |
| Unified School District | South Adams Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,003.00 (+2.14%) Homeowner's exemption | $116,800 Land $10,600 Building $106,200 | $116,800 Land $10,600 Building $106,200 |
| 2024 | $982.00 (+13%) | ||
| 2023 | $869.00 (+20.53%) | $98,800 (+4.55%) Land $10,600 Building $88,200 | $98,800 (+4.55%) Land $10,600 Building $88,200 |
| 2022 | $721.00 | $94,500 Land $10,600 Building $83,900 | $94,500 Land $10,600 Building $83,900 |
| 2020 | $281.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 518 E Water St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 19, 2014
| 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 risk around 518 E Water St 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 99.1% of the US · lower than 94% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BERNE WATER DEPARTMENT serves 4,388 people · EPA ID IN5201001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 4 ppb (2024–2026) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
| Watch TV Fiber · Fixed Wireless | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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