75 Gaines St, Vernon, IN 47282 Property Records

Jennings County property record for 75 Gaines St, Vernon, IN 47282

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,955 sqft · built 1865
Lot Size	0.253 acres (11,036 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Jul 2002)
Tax Bill	$1,515 (2025)
Deeds & Mortgages	Apr 2018 Line of Credit Jun 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`40-12-02-330-021.000-013`

Property Details

APN / Parcel Number

Primary APN	`40-12-02-330-021.000-013`
Alternative APNs	`00001023631` `0120007400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,955 sqft Living Area
1st Floor Area	2,955 sqft

Exterior

Year Built	Built 1865
Effective Year Built	Effective 1949
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	11,036 sqft (0.253 acres)
Lot Dimensions	121 ft deep x 91 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001023631
Street Address	75 GAINES ST
City	VERNON
State	IN
Zip	47282
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VERNON 53 PT 54
Jurisdiction	JENNINGS IN
Township / Civil Division	VERNON
Census Block Group	2
Census Block	2037
Census Tract	960200

Historic Designation

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

Historic District	Within the Vernon Historic District listed 1976 · 45 contributing resources · NRIS 76000024

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

Owner

75 Gaines St is owned and occupied by an individual who acquired it in February 2017.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 346, VERNON, IN 47282-0346
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2018	Deed of Trust, Mortgage · Line of Credit CENTRA CU
Jun 29, 2018	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2002 · Amount on File
Deed Sale	Jul 16, 2002 · Amount on File
Last Transfer Date	Feb 8, 2017
Transfer Doc	2018001995
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JENNINGS IN
Property Address	75 GAINES ST, VERNON, IN 47282
Transaction Type	Mortgage
Record Updated	May 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018000971
Date	Apr 2, 2018
Instrument	2018000971

Lender

Name	CENTRA CU
Type	Credit Union
Address	COLUMBUS, IN 47201

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	JENNINGS IN
Recording Date	Jun 29, 2018
Property Address	75 GAINES ST, VERNON, IN 47282
Document Number	2018001995
Instrument Date	Feb 8, 2017
Instrument	2018001995
Transaction Type	Transfer
Record Updated	Dec 6, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	PO BOX 346, VERNON, IN 47282-0346

Tax Assessment & Valuation

The 2025 property tax bill for 75 Gaines St was $1,515 with a homeowner's exemption, down 5% from the year before.

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

Property Jurisdictions

Type	Name
State	Indiana
County	Jennings County
County Subdivision	Vernon Township
Municipality	Vernon Town
Unified School District	Jennings County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,515.00 (-5.02%) Homeowner's exemption	$178,300 Land $12,200 Building $166,100	$178,300 Land $12,200 Building $166,100
2024	$1,595.00
2023		$149,200 (+9.95%) Land $12,200 Building $137,000	$149,200 (+9.95%) Land $12,200 Building $137,000
2022	$1,250.00	$135,700 Land $12,200 Building $123,500	$135,700 Land $12,200 Building $123,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 75 Gaines St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 1, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1997–2011)
Most Recent Claim	May 2011 · Severe Storms, Tornadoes, Straight-line Winds, And

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

Wildfire risk around 75 Gaines St is low, with 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 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	NORTH VERNON WATER DEPARTMENT serves 6,500 people · EPA ID IN5240008
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2021 Haloacetic acids resolved · Oct 2020
Treatment and Procedure	Sanitary survey deficiency not corrected Jan 2022
Monitoring and Reporting	9 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 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Southeastern Indiana REMC.

Cell Coverage

5G (outdoors only) and 4G LTE

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