109 E Depot St, Hudson, IN 46747 Property Records

Steuben County property record for 109 E Depot St, Hudson, IN 46747

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 2,640 sqft · built 1921
Lot Size	0.143 acres (6,229 sqft)
Owner	Individual Name on File
Last Sale	$147,000 (Apr 2020)
Tax Bill	$1,210 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`76-11-31-320-317.000-019`

Property Details

APN / Parcel Number

Primary APN	`76-11-31-320-317.000-019`
Alternative APNs	`11-31-320-317.000-40` `00001060291`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,640 sqft Living Area
1st Floor Area	2,640 sqft
Basement Area	1,348 sqft
Unfinished Basement	1,348 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1992
Construction Type	Wood
Roof Material	Asphalt
Lot Area	6,229 sqft (0.143 acres)
Lot Dimensions	108 ft deep x 89 ft wide
Garage Type	Mixed
Garage Area	616 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	00001060291
Street Address	109 E DEPOT ST
City	HUDSON
State	IN
Zip	46747-5405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OP PT LOTS 5 TOWN OF HUDSON .143A(C)
Legal Subdivision	ORIGINAL PLAT OF NORTH BENTON NOW HUDSON
Legal Lot Number	5
Jurisdiction	STEUBEN IN
Township / Civil Division	STEUBEN
Census Block Group	4
Census Block	4016
Census Tract	971600

Owner

109 E Depot St is owned and occupied by an individual who bought it in April 2020.

Source: Steuben County records, as of October 15, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 119, HUDSON, IN 46747-0119
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 3, 2020	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC
Jun 9, 2017	Warranty Deed, Transfer · FHA Mortgage GVC MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2020 · Amount on File
Deed Sale	Apr 3, 2020 · Amount on File
Prior Sale	Jun 9, 2017 · Amount on File
Deed Document Number	202040037
Prior Transfer Date	Apr 28, 2016
Prior Transfer Doc	0000060292
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEUBEN IN
Recording Date	Apr 3, 2020
Property Address	109 E DEPOT ST, HUDSON, IN 46747-5405
Document Number	0020040037
Instrument Date	Mar 16, 2020
Instrument	20040037
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 355, ANGOLA, IN 46703-0355

Mortgage

Document Number	0020040038
Date	Apr 3, 2020
Instrument	20040038

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEUBEN IN
Recording Date	Jun 9, 2017
Property Address	109 E DEPOT ST, HUDSON, IN 46747-5405
Document Number	0017060192
Instrument Date	May 31, 2017
Instrument	17060192
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	METROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE OF INDIAN

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	109 E DEPOT ST, HUDSON, IN 46747-5405

Mortgage

Document Number	0017060193
Date	Jun 9, 2017
Instrument	17060193

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 109 E Depot St was $1,210 with a homeowner's exemption, up 19.8% from the year before.

Source: Steuben County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Steuben County
County Subdivision	Steuben Township
Municipality	Hudson Town
Unified School District	Steuben County Metropolitan School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,210.00 (+19.8%) Homeowner's exemption	$242,600 (+36.68%) Land $13,100 Building $229,500	$242,600 (+36.68%) Land $13,100 Building $229,500
2024	$1,010.00 Homeowner's exemption	$177,500 (+4.41%) Land $10,500 Building $167,000	$177,500 (+4.41%) Land $10,500 Building $167,000
2023		$170,000 (+4.04%) Land $9,900 Building $160,100	$170,000 (+4.04%) Land $9,900 Building $160,100
2022	$925.00	$163,400 Land $9,400 Building $154,000	$163,400 Land $9,400 Building $154,000

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

Flood

FEMA maps place 109 E Depot St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective July 3, 2023 · 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 Claims	6 (1978–1996)
Most Recent Claim	Oct 1996 · 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

Wildfire risk around 109 E Depot 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 97% of the US · lower than 78% of Indiana
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ASHLEY WATER DEPARTMENT serves 983 people · EPA ID IN5276002
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 189 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Brightspeed Fiber	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
MetaLINK Technologies Fixed Wireless	500 / 100
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Lakeland Internet, Steuben County REMC, Watch TV.

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