977 Test Rd, Richmond, IN 47374 Property Records

Wayne County property record for 977 Test Rd, Richmond, IN 47374

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,080 sqft · built 1904
Lot Size	1.57 acres (68,607 sqft)
Owner	2 Individual Names on Record
Last Sale	$171,300 (Mar 2021)
Tax Bill	$2,122 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Jan 2017 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`016-00139-00`

Property Details

APN / Parcel Number

Primary APN	`016-00139-00`
Alternative APNs	`89-18-07-410-104.000-029` `500741010400016`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,080 sqft Living Area
1st Floor Area	3,080 sqft
Basement Area	650 sqft
Unfinished Basement	650 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1904
Effective Year Built	Effective 2005
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	68,607 sqft (1.57 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Other

Location & Zoning

Account Number	500741010400016
Street Address	977 TEST RD
City	RICHMOND
State	IN
Zip	47374-9464
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE & NE SEC 7-13-1 1.575A
Legal Range	1
Legal Township	13
Legal Section	7
Jurisdiction	WAYNE IN
Township / Civil Division	WAYNE
Census Block Group	2
Census Block	2070
Census Tract	10700

Owner

Source: Wayne 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	2 Individual Names on Record
Mailing Address	977 TEST RD, RICHMOND, IN 47374-9464
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN MORTGAGE SERVICE CO
Jan 18, 2017	Deed of Trust, Mortgage · Construction Mortgage TWIN VALLEY BANK
Mar 18, 2021	Warranty Deed, Transfer · VA Mortgage FIRST FINANCIAL BANK
Dec 23, 2020	Quit Claim Deed, Transfer Quitclaim
Mar 7, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2021 · Amount on Record
Deed Sale	Mar 18, 2021 · Amount on Record
Prior Sale	Mar 7, 2017 · Amount on Record
Deed Document Number	20212571
Prior Transfer Date	Nov 6, 2020
Prior Transfer Doc	2020010598
Record Updated	Sep 20, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE IN
Property Address	977 TEST RD, RICHMOND, IN 47374-9464
Transaction Type	Mortgage
Record Updated	Dec 29, 2023
Title Company	AMERICAN MORTGAGE SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017001849
Date	Mar 7, 2017
Instrument	2017001849

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE IN
Property Address	977 TEST RD, RICHMOND, IN 47374-9464
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017000413
Date	Jan 18, 2017
Instrument	2017000413

Lender

Name	TWIN VALLEY BANK
Type	Bank
Address	WEST ALEXANDRIA, OH 45381

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Jul 13, 2017

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE IN
Recording Date	Mar 18, 2021
Property Address	977 TEST RD, RICHMOND, IN 47374-9464
Document Number	2021002571
Instrument Date	Mar 17, 2021
Instrument	2021002571
Transaction Type	Transfer
Record Updated	Jun 13, 2023

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
Address	IN

Mortgage

Document Number	2021002572
Date	Mar 18, 2021
Instrument	2021002572

Lender

Name	FIRST FINANCIAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WAYNE IN
Recording Date	Dec 23, 2020
Property Address	977 TEST RD, RICHMOND, IN 47374-9464
Document Number	2020010598
Instrument Date	Nov 6, 2020
Instrument	2020010598
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE IN
Recording Date	Mar 7, 2017
Property Address	977 TEST RD, RICHMOND, IN 47374-9464
Document Number	2017001848
Instrument Date	Mar 3, 2017
Instrument	2017001848
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	977 TEST RD, RICHMOND, IN 47374-9464

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Wayne County
County Subdivision	Wayne Township
Unified School District	Richmond Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,122.00 (+7.12%)	$232,800 (+35.03%) Land $23,400 Building $209,400	$232,800 (+35.03%) Land $23,400 Building $209,400
2024	$1,981.00 (+13.33%)
2023		$172,400 (+0.52%) Land $17,300 Building $155,100	$172,400 (+0.52%) Land $17,300 Building $155,100
2022	$1,748.00 Homeowner's exemption	$171,500 Land $17,300 Building $154,200	$171,500 Land $17,300 Building $154,200

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 April 1, 2015 · 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 Policies	1 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Nov 2017 · 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	Low lower than 80% of the US · above 73% of Indiana
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35

May also be available: BridgeMAXX Suncoast Broadband, Verizon.

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