Adams County property record for 906 E Water St, Berne, IN 46711
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,232 sqft · built 1978 |
| Lot Size | 0.382 acres (16,625 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Feb 2024) |
| Tax Bill | $649 (2025) |
| Deeds & Mortgages | Apr 2016 Mortgage Feb 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-08-33-402-012.000-010 |
| Primary APN | 01-08-33-402-012.000-010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| 1st Floor Area | 1,232 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 16,625 sqft (0.382 acres) |
| Lot Dimensions | 125 ft deep x 133 ft wide |
| Garage Type | Attached |
| Garage Area | 680 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 00111147178 |
|---|---|
| Street Address | 906 E WATER ST |
| City | BERNE |
| State | IN |
| Zip | 46711-1614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KINGSBERRY ESTATES 85TH ADD LOT 8 |
| Legal Subdivision | KINGSBERRY ESTATES |
| Legal Lot Number | 8 |
| Jurisdiction | ADAMS IN |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 30600 |
906 E Water St is owned and occupied by an individual who bought it in February 2024.
Source: Adams County records, as of June 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 906 E WATER ST, BERNE, IN 46711-1614 |
| 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 |
|---|---|
| Apr 6, 2016 | Deed of Trust, Mortgage · Commercial Mortgage FIRST BANK OF BERNE |
| Feb 9, 2024 | Personal Representative Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Feb 9, 2024 | Personal Representative Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 12, 2024 · Amount on File |
| Deed Sale | Feb 12, 2024 · Amount on File |
| Prior Sale | Dec 19, 2016 |
| Deed Document Number | 202444052 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS IN |
| Property Address | 906 E WATER ST, BERNE, IN 46711-1614 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 2016001258 |
|---|---|
| Date | Apr 6, 2016 |
| Instrument | 2016001258 |
| Name | FIRST BANK OF BERNE |
|---|---|
| Type | Bank |
| Address | BERNE, IN 46711 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Mar 15, 2031 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | ADAMS IN |
| Recording Date | Feb 9, 2024 |
| Property Address | 906 E WATER ST, BERNE, IN 46711-1614 |
| Document Number | 2024000470 |
| Instrument Date | Feb 7, 2024 |
| Instrument | 2024000470 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 906 E WATER ST, BERNE, IN 46711-1614 |
| Document Number | 2024000471 |
|---|---|
| Date | Feb 9, 2024 |
| Instrument | 2024000471 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | ADAMS IN |
| Recording Date | Feb 9, 2024 |
| Property Address | 906 E WATER ST, BERNE, IN 46711-1614 |
| Document Number | 2024000470 |
| Instrument Date | Feb 7, 2024 |
| Instrument | 2024000470 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 906 E WATER ST, BERNE, IN 46711-1614 |
| Document Number | 2024000471 |
|---|---|
| Date | Feb 9, 2024 |
| Instrument | 2024000471 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
The 2025 property tax bill for 906 E Water St was $649 with a homeowner's exemption, up 3.7% 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 |
| Municipality | Berne City |
| Unified School District | South Adams Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $649.00 (+3.67%) Homeowner's exemption | $92,500 Land $15,700 Building $76,800 | $92,500 Land $15,700 Building $76,800 |
| 2024 | $626.00 (-1.88%) | ||
| 2023 | $638.00 (+7.95%) | $85,600 (+4.14%) Land $15,700 Building $69,900 | $85,600 (+4.14%) Land $15,700 Building $69,900 |
| 2022 | $591.00 | $82,200 Land $15,700 Building $66,500 | $82,200 Land $15,700 Building $66,500 |
| 2020 | $499.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 906 E Water St 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 906 E Water St 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 95% of the US · lower than 68% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BERNE WATER DEPARTMENT serves 4,388 people · EPA ID IN5201001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 4 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
| Watch TV Fiber · Fixed Wireless | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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