520 E Cross St, Anderson, IN 46012 Property Records

Madison County property record for 520 E Cross St, Anderson, IN 46012

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,352 sqft · built 1998
Lot Size	2.8 acres (121,968 sqft)
Owner	Individual Name on Record
Last Sale	$342,900 (Jan 2022)
Tax Bill	$2,877 (2025)
Deeds & Mortgages	Aug 2022 Mortgage May 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-9C31-1-308`

Property Details

APN / Parcel Number

Primary APN	`13-9C31-1-308`
Alternative APNs	`48-07-31-300-057.000-029` `00001320690`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,352 sqft Living Area
1st Floor Area	3,136 sqft
Upper Floors Area	784 sqft
Basement Area	1,568 sqft
Finished Basement	1,568 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2008
Construction Type	Wood
Roof Material	Asphalt
Lot Area	121,968 sqft (2.8 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	452 sqft
Porch	Porch
Porch Area	896 sqft
Patio Area	831 sqft
Shed	1 Shed
Shed Area	320 sqft
Lean-To	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001320690
Street Address	520 E CROSS ST
City	ANDERSON
State	IN
Zip	46012-1858
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MINI PLAT #308 2.800 ACRES STR: 00000 SECTION: PLAT: 00 IN: OUT:
Legal Subdivision	MINI PLAT 308
Jurisdiction	MADISON IN
Township / Civil Division	RICHLAND
Census Block Group	2
Census Block	2003
Census Tract	1400

Owner

Source: Madison County records, as of July 21, 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 Record
Mailing Address	520 E CROSS ST, ANDERSON, IN 46012-1858
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST MERCHANTS BANK NA
May 31, 2023	Intrafamily Transfer, Transfer
Jan 11, 2022	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2022 · Amount on Record
Deed Sale	Jan 11, 2022 · Amount on Record
Prior Sale	Jan 28, 2013
Deed Document Number	2022664
Last Transfer Date	May 19, 2023
Transfer Doc	2023R07450
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IN
Property Address	520 E CROSS ST, ANDERSON, IN 46012-1858
Transaction Type	Mortgage
Record Updated	May 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R13892
Date	Aug 17, 2022
Instrument	2022R13892

Lender

Name	FIRST MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 9, 2052

Interest

Rate Type	Adjustable Rate

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON IN
Recording Date	May 31, 2023
Property Address	520 E CROSS ST, ANDERSON, IN 46012-1858
Document Number	2023R07450
Map Reference	BK 17 PG 4
Instrument Date	May 19, 2023
Instrument	2023R07450
Transaction Type	Transfer
Record Updated	Jun 28, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	520 E CROSS ST, ANDERSON, IN 46012-1858

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	520 E CROSS ST, ANDERSON, IN 46012-1858

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IN
Recording Date	Jan 11, 2022
Property Address	520 E CROSS ST, ANDERSON, IN 46012-1858
Document Number	2022R00664
Map Reference	BK 17 PG 4
Instrument Date	Jan 10, 2022
Instrument	2022R00664
Transaction Type	Transfer
Record Updated	May 22, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 E CROSS ST, ANDERSON, IN 46012-1858

Mortgage

Document Number	2022R00665
Date	Jan 11, 2022
Instrument	2022R00665

Lender

Name	FREEDOM MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Madison County
County Subdivision	Richland Township
Unified School District	Anderson Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,877.00 (+0.56%) Homeowner's exemption	$280,900 (+16.17%) Land $24,700 Building $256,200	$280,900 (+16.17%) Land $24,700 Building $256,200
2024	$2,861.00 (+17.21%)
2023		$241,800 (+2.2%) Land $23,600 Building $218,200	$241,800 (+2.2%) Land $23,600 Building $218,200
2022	$2,441.00 Homeowner's exemption	$236,600 Land $22,400 Building $214,200	$236,600 Land $22,400 Building $214,200

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 August 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (2002–2011)
Most Recent Claim	Feb 2011 · river or lake flooding

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ANDERSON WATER DEPARTMENT serves 55,212 people · EPA ID IN5248002
Water Source	Groundwater influenced by surface water
Last State Inspection	Feb 2026
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Dec 2024
Treatment and Procedure	Corrosion control Jan 2026
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: BridgeMAXX Suncoast Broadband, Mercury Fiber, Verizon.

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