203 E Elm St, Ambia, IN 47917 Property Records

Benton County property record for 203 E Elm St, Ambia, IN 47917

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,870 sqft · built 1922
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$154,273 (Apr 2025)
Tax Bill	$897 (2025)
Deeds & Mortgages	May 2024 Mortgage Apr 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`009-00091-00`

Property Details

APN / Parcel Number

Primary APN	`009-00091-00`
Alternative APNs	`04-15-35-112-038.000-009` `00000996026`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,870 sqft Living Area
1st Floor Area	1,870 sqft
Basement Area	923 sqft
Unfinished Basement	923 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1978
Construction Type	Brick
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00000996026
Street Address	203 E ELM ST
City	AMBIA
State	IN
Zip	47917-8540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OP LOT 61 66X132 523-00249-00
Legal Subdivision	ORIGINAL PLAT OF THE TOWN OF AMBIA
Legal Lot Number	61
Jurisdiction	BENTON IN
Township / Civil Division	HICKORY GROVE
Census Block Group	2
Census Block	2103
Census Tract	100300

Owner

203 E Elm St is owned and occupied by two individuals who bought it in April 2025.

Source: Benton County records, as of June 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	203 E ELM ST, AMBIA, IN 47917-8540
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
May 28, 2024	Deed of Trust, Mortgage · Conventional Mortgage CENTIER BANK
Apr 7, 2025	Warranty Deed, Transfer · FHA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP
Dec 28, 2023	Personal Representative Deed, Transfer · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2025 · Amount on File
Deed Sale	Apr 7, 2025 · Amount on File
Prior Sale	Dec 28, 2023 · Amount on File
Deed Document Number	2025489
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON IN
Property Address	203 E ELM ST, AMBIA, IN 47917-8540
Transaction Type	Mortgage
Record Updated	Sep 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024000634
Date	May 28, 2024
Instrument	2024000634

Lender

Name	CENTIER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	0.07%
Index	1-Year CMT

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON IN
Recording Date	Apr 7, 2025
Property Address	203 E ELM ST, AMBIA, IN 47917-8540
Document Number	2025000489
Instrument Date	Apr 7, 2025
Instrument	2025000489
Transaction Type	Transfer
Record Updated	Sep 26, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 E ELM ST, AMBIA, IN 47917-8540

Mortgage

Document Number	2025000490
Date	Apr 7, 2025
Instrument	2025000490

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

December 2023: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	BENTON IN
Recording Date	Dec 28, 2023
Property Address	203 E ELM ST, AMBIA, IN 47917-8540
Document Number	2023001551
Instrument Date	Dec 21, 2023
Instrument	2023001551
Transaction Type	Transfer
Record Updated	Sep 26, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 E ELM ST, AMBIA, IN 47917-8540

Mortgage

Document Number	2023001552
Date	Dec 28, 2023
Instrument	2023001552

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 203 E Elm St was $897 with a homeowner's exemption, down 6.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Indiana
County	Benton County
County Subdivision	Hickory Grove Township
Municipality	Ambia Town
Unified School District	Benton Community School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$897.00 (-6.27%) Homeowner's exemption	$115,500 (-5.71%) Land $3,300 Building $112,200	$115,500 (-5.71%) Land $3,300 Building $112,200
2024	$957.00 (-7.54%) Homeowner's exemption	$122,500 (+8.22%) Land $3,300 Building $119,200	$122,500 (+8.22%) Land $3,300 Building $119,200
2023	$1,035.00 (-33.1%)	$113,200 (+2.07%) Land $3,300 Building $109,900	$113,200 (+2.07%) Land $3,300 Building $109,900
2022	$1,547.00	$110,900 Land $3,300 Building $107,600	$110,900 Land $3,300 Building $107,600

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

Flood

FEMA maps place 203 E Elm St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 2, 2012

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 203 E Elm St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	AMBIA WATER DEPARTMENT serves 250 people · EPA ID IN5204001
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Feb 2023
Monitoring and Reporting	3 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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mainstream Fiber Networks Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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