98 E 490 S, Cutler, IN 46920 Property Records

Carroll County property record for 98 E 490 S, Cutler, IN 46920

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,930 sqft · built 1927
Lot Size	0.138 acres (6,011 sqft)
Owner	Individual Name on File
Last Sale	$35,000 (Mar 2000)
Tax Bill	$160 (2025)
Deeds & Mortgages	Apr 2024 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-10-34-000-038.000-008`

Property Details

APN / Parcel Number

Primary APN	`08-10-34-000-038.000-008`
Alternative APNs	`00377974115` `0061103800`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,930 sqft Living Area
1st Floor Area	1,570 sqft
Attic	Attic
Attic Area	960 sqft
Basement Area	120 sqft
Unfinished Basement	120 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1960
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	6,011 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00377974115
Street Address	98 E 490 S
City	CUTLER
State	IN
Zip	46920-9385
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	006-11038-00 CUTLER J L BOWLANDS 1ST ADD LOT 21
Legal Subdivision	CUTLER J L BOWLANDS 1ST ADD
Legal Lot Number	21
Jurisdiction	CARROLL IN
Township / Civil Division	DEMOCRAT
Census Block Group	2
Census Block	2057
Census Tract	959900

Owner

Source: Carroll County records · APN 08-10-34-000-038.000-008

Assessment roll updated June 19, 2026 · Last verified June 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 File
Mailing Address	98 E 490 S, CUTLER, IN 46920-9385
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 15, 2000 · Amount on Record
Deed Sale	Mar 15, 2000 · Amount on Record
Prior Sale	Nov 22, 1996 · Amount on Record
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	98 E 490 S, CUTLER, IN 46920-9385
Transaction Type	Mortgage
Record Updated	May 09, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024000959
Date	Apr 16, 2024
Instrument	2024000959

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	225 PICTORIA DR STE 700, CINCINNATI, OH 45246

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Apr 10, 2049

Tax Assessment & Valuation

Source: Carroll County records · Assessment roll updated June 19, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Carroll County
County Subdivision	Democrat Township
Unified School District	Carroll Consolidated School Corporation (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$160.00 (+1.91%) Homeowner's exemption	$79,800 (+34.57%) Land $7,600 Building $72,200	$79,800 (+34.57%) Land $7,600 Building $72,200
2024	$157.00 (+28.69%)
2023		$59,300 (+4.59%) Land $8,500 Building $50,800	$59,300 (+4.59%) Land $8,500 Building $50,800
2022	$122.00	$56,700 Land $8,500 Building $48,200	$56,700 Land $8,500 Building $48,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 7, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (2003–2013)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Apr 2013 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jul 2003 · 2 claims

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 78% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Mulberry Cooperative Telephone Co. Fiber	1,000 / 1,000
On-Ramp Indiana Fixed Wireless	100 / 20

Based on FCC filings for 48 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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