5422 E 900 S, Berne, IN 46711 Property Records

Adams County property record for 5422 E 900 S, Berne, IN 46711

Property Summary

Property Type	Rural Home
Details	1 bd · 1,776 sqft · built 1998
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Tax Bill	$1,632 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Dec 2023 Line of Credit + 7 more
Flood Zone	Zone X (minimal risk)
APN	`01-12-21-100-006.000-006`

Property Details

APN / Parcel Number

Primary APN	`01-12-21-100-006.000-006`
Alternative APNs	`01619000002210` `00895791394`

Interior

Bedrooms	1 Bed
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,776 sqft Living Area
1st Floor Area	2,832 sqft
Basement Area	1,156 sqft
Unfinished Basement	1,156 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Heating System	Other

Location & Zoning

Account Number	00895791394
Street Address	5422 E 900 S
City	BERNE
State	IN
Zip	46711-9215
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	NW COR E/2 NE NW SEC 21 (2A)
Jurisdiction	ADAMS IN
Township / Civil Division	JEFFERSON
Census Block Group	5
Census Block	5029
Census Tract	30700

Owner

Source: Adams County records, as of June 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	5422 E 900 S, BERNE, IN 46711-9215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · Line of Credit THE FARMERS & MERCHANTS STATE BANK
Dec 13, 2023	Deed of Trust, Mortgage · Line of Credit THE FARMERS & MERCHANTS STATE BANK
Nov 21, 2018	Deed of Trust, Mortgage BANK OF GENEVA
Mar 23, 2017	Deed of Trust, Mortgage · Construction Mortgage BANK OF GENEVA
Mar 5, 2021	Deed of Trust, Mortgage · Balloon Mortgage FARMERS & MERCHANTS STATE BANK
Jun 12, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS & MERCHANTS BANK
Jun 1, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS & MERCHANTS STATE BANK
Mar 22, 2022	Deed of Trust, Mortgage · ARM FARMERS & MERCHANTS STATE BANK
Oct 24, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS & MERCHANTS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	5422 E 900 S, BERNE, IN 46711-9215
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025005127
Date	Dec 29, 2025
Instrument	2025005127

Lender

Name	THE FARMERS & MERCHANTS STATE BANK
Type	Bank
Address	ARCHBOLD, OH 43502

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jan 20, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	5422 E 900 S, BERNE, IN 46711-9215
Transaction Type	Mortgage
Record Updated	Jan 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023004501
Date	Dec 13, 2023
Instrument	2023004501

Lender

Name	THE FARMERS & MERCHANTS STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 20, 2033

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	5422 E 900 S, BERNE, IN 46711-9215
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018004638
Date	Nov 21, 2018
Instrument	2018004638

Lender

Name	BANK OF GENEVA
Type	Bank

Agreement

Amount	Amount Recorded
Term	110 Months
Due	Jan 1, 2028

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	5422 E 900 S, BERNE, IN 46711-9215
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017001027
Date	Mar 23, 2017
Instrument	2017001027

Lender

Name	BANK OF GENEVA
Type	Bank
Address	GENEVA, IN 46740

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 20, 2018

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	5422 E 900 S, BERNE, IN 46711-9215
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021001329
Date	Mar 5, 2021
Instrument	2021001329

Lender

Name	FARMERS & MERCHANTS STATE BANK

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2031

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	5422 E 900 S, BERNE, IN 46711-9215
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019002137
Date	Jun 12, 2019
Instrument	2019002137

Lender

Name	FARMERS & MERCHANTS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2029

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	5422 E 900 S, BERNE, IN 46711-9215
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022002420
Date	Jun 1, 2022
Instrument	2022002420

Lender

Name	FARMERS & MERCHANTS STATE BANK

Agreement

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

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IN
Property Address	5422 E 900 S, BERNE, IN 46711-9215
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022001168
Date	Mar 22, 2022
Instrument	2022001168

Lender

Name	FARMERS & MERCHANTS STATE BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Apr 1, 2029
Index	1-Year CMT
Margin	4

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAMS IN
Recording Date	Oct 24, 2019
Property Address	5422 E 900 S, BERNE, IN 46711-9215
Document Number	2019004165
Instrument Date	Oct 17, 2019
Instrument	2019004165
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5422 E 900 S, BERNE, IN 46711-9215

Mortgage

Document Number	2019004166
Date	Oct 24, 2019
Instrument	2019004166

Lender

Name	FARMERS & MERCHANTS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,632.00 (+4.41%) Homeowner's exemption	$202,500 (+9.82%) Land $22,300 Building $180,200	$202,500 (+9.82%) Land $22,300 Building $180,200
2024	$1,563.00 (-8.76%)
2023	$1,713.00 (-43.65%)	$184,400 (+0.93%) Land $22,100 Building $162,300	$184,400 (+0.93%) Land $22,100 Building $162,300
2022	$3,040.00 (+20.68%)	$182,700 Land $21,700 Building $161,000	$182,700 Land $21,700 Building $161,000
2020	$2,519.00

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 · 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
Nearby Flood Claims	2 (2003–2011)
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	Not rated no burnable land within ember reach

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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Watch TV Fixed Wireless	100 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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