Noble County, IN Property Records: Search Deeds, Owners, Tax Records, and Maps

Noble County has approximately 26,000 parcels of land. The major custodians of property records in the county include the Recorder’s Office, the Assessor’s Office, the Auditor’s Office, and the Treasurer’s Office. Agricultural and industrial employment, along with proximity to major regional hubs, are the main drivers of the county's local property market.

Average property listings stay on the market for 47 days before going under contract, similar to Indiana's statewide pace. Most of these homes are single-family homes, townhouses, condos, multi-family homes, and mobile homes. Most of these home types are in Kendallville, Ligonier, Albion, Avilla, and Cromwell.

Recent records reveal the underlying factors influencing the local real estate market, with a median home value of $183,400 and median rent of $798, alongside a median household income of $70,238 and a median real estate tax rate of 0.72 as a percentage of the property's assessed value.

How to Look Up Noble County Property Records

You can access property records in Noble County through the appropriate local offices or online databases. You can search deeds, mortgages, and other land-related documents through Laredo or Tapestry. You can view ownership information and assessed value through the Beacon Property Search Portal. Use the treasurer’s online payment portal to look up tax bills and make real estate tax payments.

Who Keeps Noble County Property Records?

Per the Access to Public Records Act, anyone can access Noble County property records. The following offices keep property records in the county.

• The Noble County Recorder’s Office maintains permanent public records involving a wide variety of instruments. These include deeds, mortgages, affidavits, contracts, subdivision plats, and mechanic's liens.

• The Noble County Assessor’s Office sets the county property tax base and helps ensure property taxes are levied fairly and equitably.

• The Noble County Auditor’s Office processes deductions and exemptions, performs deed and title transfers, and calculates the tax rate for the county.

• The Noble County Treasurer’s Office handles and keeps records of current property tax billing, collections, and non-delinquent payment history.

How to Search Noble County Property Records Online

Follow these steps to search Noble County property records online:

1. Search the parcel on Beacon Property Search using the owner’s name, address, or the parcel number as the search parameter to identify the property.
2. After you locate the parcel in the search results, click on the property summary, which displays the tax rate, transfer history, exemptions, tax history, homestead allocations, sketches, and photos.
3. Open the Laredo or Tapestry portal and enter the parcel details or owner's name to find recorded deeds, mortgages, liens, or easements.
4. Use the treasurer’s online payment portal to check the property’s billing history. Review current year tax payments, outstanding balances, or any delinquent taxes.
5. You can purchase standard copies of property documents through the Recorder by visiting the courthouse in Albion to request them.

Recorder: Deeds, Mortgages, and Plats

The Noble County Recorder’s Office records land documents, ensuring a clear, permanent, and publicly accessible chain of title for all real estate transactions. These documents detail real estate transactions, mining, personal property, mortgages, liens, leases, subdivision plats, and personal bonds.

Assessor and Auditor: Ownership, Values, and Parcel Data

The Noble County Assessor’s Office determines a property’s market and assessed values and serves as the primary point of contact for valuation disputes. Once these values are finalized, the County Auditor applies eligible property tax deductions and exemptions to calculate the property's final taxable value.

Treasurer: Tax Bills and Payments

The Treasurer’s Office in Noble County processes all standard property tax payments, administrative fees, and local millage distributions throughout the active tax year. They mail a single tax bill package in the spring containing payment coupons for both installments, collecting the first payment in May and the second in November.

Property Tax in Noble County: Caps, Deductions, and Appeals

Property tax in Noble County is calculated by subtracting eligible deductions from your gross value to get the net assessed value, then multiplying it by your local district’s tax rate.

Circuit-breaker caps

The circuit-breaker cap puts a legal limit on a property tax bill. In Indiana, property taxes are capped at 1% of your home's total value. If local school or city tax rates increase, this cap stops your bill from going over that fixed limit.

Deductions and relief

Appealing your value

You can contest your assessment if you believe it is incorrect. Contact your local assessor to review your notice. If the issue remains unresolved, the appeal will be forwarded to the Property Tax Assessment Board of Appeals (PTABOA). The board will review your evidence and decide whether to adjust your assessed value.

However, if you are dissatisfied with the Board’s decision, you can escalate your case to the Indiana Board of Tax Review (IBTR). After the IBTR ruling, if you remain unsatisfied, you can proceed to the Indiana Tax Court for final determination.

GIS Maps and Parcel Viewer

You can use the Beacon Map Viewer provided by Noble County to look up aerial photography, boundary lines, dimensions, total acreage, zoning, soil maps, and floodplains. The system allows you to search by parcel number, owner name, or address.

Foreclosure and Tax Sales

In Noble County, a property can face foreclosure in two ways. These are:

Mortgage Foreclosure

Missed mortgage payments become delinquent and accrue penalties and interest. If payments remain unpaid, the court issues a final foreclosure judgment, causing the owner to lose legal rights to the property. The county sheriff then auctions the property to recover debts, allowing a new owner to take possession and potentially initiate eviction.

Tax Sale

In Noble County, lenders foreclose through Indiana’s judicial process after a homeowner misses mortgage payments, which requires a court lawsuit and ends with a sheriff’s sale. If a homeowner fails to pay property taxes, the county will initiate a treasurer’s tax sale, which is followed by a 12-month redemption period.

During this tax sale redemption period, the original owner must pay all the back taxes, penalties, and related interest to reclaim the property. If the original owner fails to pay the required fees to reclaim the property, the winning bidder can petition the court for a tax deed to take full ownership after the redemption window.

Costs to Access Property Records

Per Indiana Code, the fees for accessing property records in Noble County are listed below:

How to Record a Document

The following are the typical steps to take when recording a property document in Noble County:

1. When preparing documents such as deeds or mortgages, ensure they meet Indiana formatting standards, including legal description of the property, margins, and notarized signatures.
2. Determine the total cost before submitting. The recording fee is $25 per document if you are recording a deed. If you are recording a mortgage, it costs $55 per document. If any page in your document exceeds 8.5” x 14”, the recorder will charge an additional $5 per oversized page.
3. Submit the complete document with payment to the Noble County Recorder by mail, in person at their office in Albion, or electronically through an approved eRecording vendor.
4. After submission, the Recorder will apply an official instrument number. You can retrieve a copy of a recorded document through Laredo or Tapestry.

FAQs

Quick Reference: Your Noble County Property Records Checklist

Key Contacts and Official Portals