Adams County property record for 540 W 400 S, Berne, IN 46711
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,440 sqft · built 1926 |
| Lot Size | 3.27 acres (142,615 sqft) |
| Owner | Individual Name on File |
| Last Sale | $152,000 (Jun 2017) |
| Tax Bill | $2,330 (2025) |
| Deeds & Mortgages | Oct 2017 Construction Loan Sep 2020 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-08-28-100-002.000-009 |
| Primary APN | 01-08-28-100-002.000-009 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 1,440 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Construction Type | Wood |
| Roof Material | Asphalt |
| Lot Area | 142,615 sqft (3.27 acres) |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Other |
| Account Number | 00394893800 |
|---|---|
| Street Address | 540 W 400 S |
| City | BERNE |
| State | IN |
| Zip | 46711-9607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | PT NE NW SEC 28 (3.274A) |
| Jurisdiction | ADAMS IN |
| Township / Civil Division | MONROE |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 30500 |
540 W 400 S, a rural home, is owned and occupied by an individual who acquired it in October 2021.
Source: Adams County records, as of June 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 540 W 400 S, BERNE, IN 46711-9607 |
| 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 |
|---|---|
| Oct 27, 2017 | Deed of Trust, Mortgage · Construction Mortgage BANK OF GENEVA |
| Sep 24, 2020 | Deed of Trust, Mortgage · ARM FARMERS & MERCHANTS STATE BANK |
| Apr 22, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance F&M STATE BANK |
| Sep 25, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS & MERCHANTS BANK |
| Oct 15, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Jun 26, 2017 | Warranty Deed, Transfer · Closed-End Mortgage BANK OF GENEVA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 26, 2017 · Amount on File |
| Deed Sale | Jun 26, 2017 · Amount on File |
| Deed Document Number | 20172209 |
| Last Transfer Date | Oct 15, 2021 |
| Transfer Doc | 2021005265 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS IN |
| Property Address | 540 W 400 S, BERNE, IN 46711-9607 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2017004084 |
|---|---|
| Date | Oct 27, 2017 |
| Instrument | 2017004084 |
| Name | BANK OF GENEVA |
|---|---|
| Type | Bank |
| Address | GENEVA, IN 46740 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Oct 23, 2018 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS IN |
| Property Address | 540 W 400 S, BERNE, IN 46711-9607 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2020004717 |
|---|---|
| Date | Sep 24, 2020 |
| Instrument | 2020004717 |
| Name | FARMERS & MERCHANTS STATE BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.69% |
| Type Change Date | Oct 1, 2025 |
| Index | 1-Year CMT |
| Margin | 4 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS IN |
| Property Address | 540 W 400 S, BERNE, IN 46711-9607 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2020001847 |
|---|---|
| Date | Apr 22, 2020 |
| Instrument | 2020001847 |
| Name | F&M STATE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | May 1, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS IN |
| Property Address | 540 W 400 S, BERNE, IN 46711-9607 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2019003684 |
|---|---|
| Date | Sep 25, 2019 |
| Instrument | 2019003684 |
| Name | FARMERS & MERCHANTS BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Oct 1, 2029 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ADAMS IN |
| Recording Date | Oct 15, 2021 |
| Property Address | 540 W 400 S, BERNE, IN 46711-9607 |
| Document Number | 2021005265 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 2021005265 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ADAMS IN |
| Recording Date | Jun 26, 2017 |
| Property Address | 540 W 400 S, BERNE, IN 46711-9607 |
| Document Number | 2017002209 |
| Instrument Date | Jun 19, 2017 |
| Instrument | 2017002209 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 540 W 400 S, BERNE, IN 46711-9607 |
| Document Number | 2017002210 |
|---|---|
| Date | Jun 26, 2017 |
| Instrument | 2017002210 |
| Name | BANK OF GENEVA |
|---|---|
| Type | Bank |
| Address | GENEVA, IN 46740 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 19, 2047 |
The 2025 property tax bill for 540 W 400 S was $2,330, 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 |
| Unified School District | South Adams Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,330.00 (+2.06%) | $169,800 Land $24,300 Building $145,500 | $169,800 Land $24,300 Building $145,500 |
| 2024 | $2,283.00 (-6.32%) | ||
| 2023 | $2,437.00 (-12.81%) | $158,900 (-0.94%) Land $23,900 Building $135,000 | $158,900 (-0.94%) Land $23,900 Building $135,000 |
| 2022 | $2,795.00 | $160,400 Land $23,200 Building $137,200 | $160,400 Land $23,200 Building $137,200 |
| 2020 | $545.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 540 W 400 S 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 540 W 400 S 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: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| Watch TV Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 25 / 3 |
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