5400 S 400 E, Berne, IN 46711 Property Records

Adams County property record for 5400 S 400 E, Berne, IN 46711

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,984 sqft · built 1900
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Jan 2025)
Tax Bill	$906 (2025)
Deeds & Mortgages	Sep 2019 Refinance Oct 2022 Refinance + 7 more
Flood Zone	Zone X (minimal risk)
APN	`202201643_`

Property Details

APN / Parcel Number

Primary APN	`202201643_`
Alternative APNs	`01-09-31-201-003.001-002` `01054071250`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,984 sqft Living Area
1st Floor Area	1,280 sqft
Attic	Attic
Attic Area	1,408 sqft
Basement Area	176 sqft
Unfinished Basement	176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Garage Type	Mixed
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces
Lean-To	570 sqft
Poultry House	640 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	01054071250
Street Address	5400 S 400 E
City	BERNE
State	IN
Zip	46711-9441
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	ZEHR SUBD LOT 1 SEC 31 (2A)
Legal Subdivision	ZEHR SUB
Legal Lot Number	1
Jurisdiction	ADAMS IN
Township / Civil Division	BLUE CREEK
Census Block Group	2
Census Block	2042
Census Tract	30500

Owner

Source: Adams County records, as of June 19, 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	5400 S 400 E, BERNE, IN 46711-9441
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS & MERCHANTS BANK
Oct 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS & MERCHANTS STATE BANK
Aug 22, 2024	Deed of Trust, Mortgage · Line of Credit THE FARMERS & MERCHANTS STATE BANK
Nov 21, 2016	Deed of Trust, Mortgage · Closed-End Mortgage BANK OF GENEVA
Nov 13, 2013	Deed of Trust, Mortgage · Line of Credit BANK OF GENEVA
Jan 13, 2025	Deed of Trust, Mortgage · Conventional Mortgage THE FARMERS & MERCHANTS STATE BANK
Nov 13, 2013	Deed of Trust, Mortgage · Line of Credit BANK OF GENEVA
Jan 13, 2023	Warranty Deed, Transfer · Commercial Mortgage FARMERS & MERCHANTS STATE BANK
Jan 13, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2025 · Amount on Record
Deed Sale	Jan 23, 2025 · Amount on Record
Prior Sale	Jan 17, 2023 · Amount on Record
Deed Document Number	202544835
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	5400 S 400 E, BERNE, IN 46711-9441
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019003696
Date	Sep 26, 2019
Instrument	2019003696

Lender

Name	FARMERS & MERCHANTS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2039

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	5400 S 400 E, BERNE, IN 46711-9441
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022004544
Date	Oct 14, 2022
Instrument	2022004544

Lender

Name	FARMERS & MERCHANTS STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2032

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	5400 S 400 E, BERNE, IN 46711-9441
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024002935
Date	Aug 22, 2024
Instrument	2024002935

Lender

Name	THE FARMERS & MERCHANTS STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 20, 2034

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	5400 S 400 E, BERNE, IN 46711-9441
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2016004588
Date	Nov 21, 2016
Instrument	2016004588

Lender

Name	BANK OF GENEVA
Address	GENEVA, IN 46740

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 14, 2026

November 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	5400 S 400 E, BERNE, IN 46711-9441
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2013004896
Date	Nov 13, 2013
Instrument	2013004896

Lender

Name	BANK OF GENEVA
Address	GENEVA, IN 46740

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 9, 2043

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	5400 S 400 E, BERNE, IN 46711-9441
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025000123
Date	Jan 13, 2025
Instrument	2025000123

Lender

Name	THE FARMERS & MERCHANTS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	0.07%
Index	1-Year CMT

November 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	5400 S 400 E, BERNE, IN 46711-9441
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2013004894
Date	Nov 13, 2013
Instrument	2013004894

Lender

Name	BANK OF GENEVA
Address	GENEVA, IN 46740

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 9, 2043

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAMS IN
Recording Date	Jan 13, 2023
Property Address	5400 S 400 E, BERNE, IN 46711-9441
Document Number	2023000158
Instrument Date	Jan 11, 2023
Instrument	2023000158
Transaction Type	Transfer
Record Updated	Apr 3, 2026

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	IN

Mortgage

Document Number	2023000159
Date	Jan 13, 2023
Instrument	2023000159

Lender

Name	FARMERS & MERCHANTS STATE BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAMS IN
Recording Date	Jan 13, 2023
Property Address	5400 S 400 E, BERNE, IN 46711-9441
Document Number	2023000158
Instrument Date	Jan 11, 2023
Instrument	2023000158
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	IN

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Adams County
County Subdivision	Blue Creek Township
Unified School District	South Adams Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$906.00 (+4.02%) Homeowner's exemption	$148,300 (+14.08%) Land $21,800 Building $126,500	$148,300 (+14.08%) Land $21,800 Building $126,500
2024	$871.00 (-7.44%)
2023	$941.00 (+13.51%)	$130,000 (+2.04%) Land $21,700 Building $108,300	$130,000 (+2.04%) Land $21,700 Building $108,300
2022	$829.00 (+21.38%)	$127,400 Land $21,400 Building $106,000	$127,400 Land $21,400 Building $106,000
2020	$683.00

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 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

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

Wildfire Risk	Low lower than 94% of the US · above 40% of Indiana
Wildfire Likelihood	Under 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Watch TV Fixed Wireless	400 / 40
Mercury Fiber Fixed Wireless	150 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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