207 W Summit St, Delphi, IN 46923 Property Records

Carroll County property record for 207 W Summit St, Delphi, IN 46923

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,795 sqft · built 1944
Lot Size	0.237 acres (10,323 sqft)
Owner	Individual Name on Record
Last Sale	$172,200 (Dec 2013)
Tax Bill	$1,653 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jun 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-06-29-031-016.000-007`

Property Details

APN / Parcel Number

Primary APN	`08-06-29-031-016.000-007`
Alternative APNs	`01487430126` `0173101600`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,795 sqft Living Area
1st Floor Area	2,679 sqft
Basement Area	884 sqft
Finished Basement	884 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1944
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	10,323 sqft (0.237 acres)
Lot Dimensions	172 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	01487430126
Street Address	207 W SUMMIT ST
City	DELPHI
State	IN
Zip	46923-1732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	017-31016-00 SOUTH DELPHI OP W3 LOT 12
Legal Subdivision	SOUTH DELPHI
Legal Lot Number	12
Jurisdiction	CARROLL IN
Township / Civil Division	DEER CREEK
Census Block Group	3
Census Block	3020
Census Tract	959600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the South Delphi Historic District listed 2024 · 78 contributing resources · NRIS 100010027

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Carroll 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	207 W SUMMIT ST, DELPHI, IN 46923-1732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · FHA Mortgage RUOFF MORTGAGE COMPANY INC
Jun 29, 2022	Deed of Trust, Mortgage · Line of Credit CENTIER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2013 · Amount on Record
Deed Sale	Dec 23, 2013 · Amount on Record
Prior Sale	Apr 23, 2009 · Amount on Record
Deed Document Number	20134863
Prior Transfer Date	Apr 16, 2009
Prior Transfer Doc	00078/2217
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	207 W SUMMIT ST, DELPHI, IN 46923-1732
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021000379
Date	Feb 2, 2021
Instrument	2021000379

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	207 W SUMMIT ST, DELPHI, IN 46923-1732
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207W SUMMIT ST, DELPHI, IN 46923-1732

Mortgage

Document Number	2022002106
Date	Jun 29, 2022
Instrument	2022002106

Lender

Name	CENTIER BANK
Type	Bank
Address	MERRILLVILLE, IN 46410

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 3, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Carroll County
County Subdivision	Deer Creek Township
Municipality	Delphi City
Unified School District	Delphi Community School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,653.00 (+2.42%) Homeowner's exemption	$182,100 (+29.79%) Land $18,000 Building $164,100	$182,100 (+29.79%) Land $18,000 Building $164,100
2024	$1,614.00 (+27.69%)
2023		$140,300 (+11%) Land $18,000 Building $122,300	$140,300 (+11%) Land $18,000 Building $122,300
2022	$1,264.00 Homeowner's exemption	$126,400 Land $16,400 Building $110,000	$126,400 Land $16,400 Building $110,000

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 May 7, 2024 · 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 Policies	6 in force
Nearby Flood Claims	13 (1985–2013)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Apr 2013 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jul 2003 · 6 claims

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	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	DELPHI WATER WORKS serves 3,200 people · EPA ID IN5208002
Water Source	Groundwater
Last State Inspection	Mar 2026
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 183 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Sparklight Cable	1,000 / 50
On-Ramp Indiana Fixed Wireless	200 / 35

May also be available: Verizon.

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