631 Locust St, Mount Vernon, IN 47620 Property Records

Posey County property record for 631 Locust St, Mount Vernon, IN 47620

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,145 sqft · built 1990
Lot Size	0.177 acres (7,710 sqft)
Owner	Individual Name on Record
Last Sale	$218,800 (Jul 2019)
Tax Bill	$2,059 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`65-27-08-120-007.000-018`

Property Details

APN / Parcel Number

Primary APN	`65-27-08-120-007.000-018`
Alternative APNs	`01961281984` `0090134300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,145 sqft Living Area
1st Floor Area	2,432 sqft
Attic	Attic
Attic Area	1,426 sqft
Basement Area	369 sqft
Unfinished Basement	369 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Metal Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	7,710 sqft (0.177 acres)
Lot Dimensions	140 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	01961281984
Street Address	631 LOCUST ST
City	MOUNT VERNON
State	IN
Zip	47620-1934
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEONARD PLACE 55X140 MP 570-007- - - -
Jurisdiction	POSEY IN
Township / Civil Division	BLACK
Census Block Group	2
Census Block	2018
Census Tract	40700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Welborn Historic District listed 1992 · 159 contributing resources · NRIS 92000188

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Posey County records, as of June 26, 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	631 LOCUST ST, MOUNT VERNON, IN 47620-1934
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Jul 3, 2019	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK
Mar 31, 2017	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2019 · Amount on Record
Deed Sale	Jul 3, 2019 · Amount on Record
Deed Document Number	20192192
Prior Transfer Date	Mar 29, 2017
Prior Transfer Doc	201701124
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POSEY IN
Property Address	631 LOCUST ST, MOUNT VERNON, IN 47620-1934
Transaction Type	Mortgage
Record Updated	Apr 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202201237
Date	Mar 28, 2022
Instrument	202201237

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POSEY IN
Recording Date	Jul 3, 2019
Property Address	631 LOCUST ST, MOUNT VERNON, IN 47620-1934
Document Number	201902192
Instrument Date	Jul 1, 2019
Instrument	201902192
Transaction Type	Transfer
Record Updated	Dec 7, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	631 LOCUST ST, MOUNT VERNON, IN 47620-1934

Mortgage

Document Number	201902193
Date	Jul 3, 2019
Instrument	201902193

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

March 2017: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	POSEY IN
Recording Date	Mar 31, 2017
Property Address	631 LOCUST ST, MOUNT VERNON, IN 47620-1934
Document Number	201701124
Instrument Date	Mar 29, 2017
Instrument	201701124
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Posey County assessment roll, as of June 26, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Posey County
County Subdivision	Black Township
Municipality	Mount Vernon City
Unified School District	Mount Vernon Metropolitan School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,059.00 (-4.01%) Homeowner's exemption	$228,800 (+27.54%) Land $9,300 Building $219,500	$228,800 (+27.54%) Land $9,300 Building $219,500
2024	$2,145.00 (+19.57%)
2023	$1,794.00 (+6.79%)	$179,400 (+6.79%) Land $9,300 Building $170,100	$179,400 (+6.79%) Land $9,300 Building $170,100
2022	$1,680.00 (+11.41%) Homeowner's exemption	$168,000 Land $9,300 Building $158,700	$168,000 Land $9,300 Building $158,700
2021	$1,508.00

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 4, 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 (1981–1982)
Most Recent Claim	Jan 1982 · rainfall accumulation

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.

Drinking Water

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

Water System	MOUNT VERNON WATER WORKS serves 6,426 people · EPA ID IN5265006
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 370 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Watch TV Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mainstream Fiber Networks, Wisper ISP.

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