115 E Oak St, Decatur, IN 46733 Property Records

Adams County property record for 115 E Oak St, Decatur, IN 46733

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1949
Lot Size	0.182 acres (7,920 sqft)
Owner	Individual Name on Record
Last Sale	$86,649 (Apr 2023)
Tax Bill	$571 (2025)
Deeds & Mortgages	Mar 2023 Sale Oct 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-05-03-207-012.000-022`

Property Details

APN / Parcel Number

Primary APN	`01-05-03-207-012.000-022`
Alternative APNs	`02208000001300` `01064930181`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	720 sqft Living Area
1st Floor Area	720 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Game Room	Game Room

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Wood
Roof Material	Asphalt
Lot Area	7,920 sqft (0.182 acres)
Lot Dimensions	60 ft deep x 132 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	01064930181
Street Address	115 E OAK ST
City	DECATUR
State	IN
Zip	46733-2036
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	K JACKSON SUB LOT 846
Legal Subdivision	K JACKSON SUB
Legal Lot Number	846
Jurisdiction	ADAMS IN
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4001
Census Tract	30300

Owner

Source: Adams County records, as of June 19, 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 Record
Mailing Address	115 E OAK ST, DECATUR, IN 46733-2036
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2023	Warranty Deed, Transfer
Oct 30, 2020	Warranty Deed, Transfer
Sep 23, 2019	Deed, Transfer · Stand-Alone First Mortgage RUOFF MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2023 · Amount on Record
Deed Sale	Apr 4, 2023 · Amount on Record
Prior Sale	Oct 30, 2020
Deed Document Number	202342348
Prior Transfer Date	Mar 20, 2023
Prior Transfer Doc	0000042348
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAMS IN
Recording Date	Mar 22, 2023
Property Address	115 E OAK ST, DECATUR, IN 46733-2036
Document Number	2023000889
Instrument Date	Mar 20, 2023
Instrument	2023000889
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	IN

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAMS IN
Recording Date	Oct 30, 2020
Property Address	115 E OAK ST, DECATUR, IN 46733-2036
Document Number	2020005420
Instrument Date	Oct 29, 2020
Instrument	2020005420
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ADAMS IN
Recording Date	Sep 23, 2019
Property Address	115 E OAK ST, DECATUR, IN 46733-2036
Document Number	2019003636
Instrument Date	Sep 16, 2019
Instrument	2019003636
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019003637
Date	Sep 23, 2019
Instrument	2019003637

Lender

Name	RUOFF MORTGAGE CO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

Source: Adams County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Adams County
County Subdivision	Washington Township
Municipality	Decatur City
Unified School District	North Adams Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$571.00 (-1.72%) Homeowner's exemption	$86,200 (+13.57%) Land $15,300 Building $70,900	$86,200 (+13.57%) Land $15,300 Building $70,900
2024	$581.00 (+12.6%)
2023	$516.00 (+11.45%)	$75,900 (+6.45%) Land $15,300 Building $60,600	$75,900 (+6.45%) Land $15,300 Building $60,600
2022	$463.00 (+41.59%)	$71,300 Land $15,300 Building $56,000	$71,300 Land $15,300 Building $56,000
2020	$327.00

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 November 19, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2003)
Most Recent Claim	Jul 2003 · Severe Storms, Tornadoes, And 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 94% of the US · lower than 63% 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.

Drinking Water

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

Water System	DECATUR WATER DEPARTMENT serves 9,900 people · EPA ID IN5201002
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	13 ppb (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 325 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Watch TV Fiber	1,000 / 500
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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