221 N Main St, Albany, IN 47320 Property Records

Delaware County property record for 221 N Main St, Albany, IN 47320

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1955
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$142,804 (Mar 2026)
Tax Bill	$62 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-08-02-291-002.000-005`

Property Details

APN / Parcel Number

Primary APN	`18-08-02-291-002.000-005`
Alternative APN	`0802291002000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1995
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	1,320 ft deep x 660 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	08 02 291 002 000
Street Address	221 N MAIN ST
City	ALBANY
State	IN
Zip	47320-1748
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	D J M 4 ADD LOT 2
Legal Subdivision	D J M 4 ADD
Legal Lot Number	2
Jurisdiction	DELAWARE IN
Township / Civil Division	DELAWARE
Census Block Group	5
Census Block	5009
Census Tract	2700

Owner

Source: Delaware County records, as of June 26, 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	221 N MAIN ST, ALBANY, IN 47320-1748
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2026	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG CORP
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
May 13, 2019	Warranty Deed, Transfer · Conventional Mortgage KTL PERFORMANCE MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2026 · Amount on Record
Deed Sale	Mar 5, 2026 · Amount on Record
Prior Sale	May 13, 2019 · Amount on Record
Deed Document Number	20263102
Prior Transfer Date	Apr 28, 2006
Prior Transfer Doc	2006R09070
Record Updated	Sep 20, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE IN
Recording Date	Mar 5, 2026
Property Address	221 N MAIN ST, ALBANY, IN 47320-1748
Document Number	2026R03102
Instrument Date	Feb 27, 2026
Instrument	2026R03102
Transaction Type	Transfer
Record Updated	Mar 25, 2026
Title Company	MUN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 N MAIN ST, ALBANY, IN 47320-1748

Mortgage

Document Number	2026R03103
Date	Mar 5, 2026
Instrument	2026R03103

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

Mortgage

Document Number	2026R03104
Date	Mar 5, 2026
Instrument	2026R03104

Lender

Name	IHCDA
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE IN
Property Address	221 N MAIN ST, ALBANY, IN 47320-1748
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R12592
Date	Jul 28, 2021
Instrument	2021R12592

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE IN
Recording Date	May 13, 2019
Property Address	221 N MAIN ST, ALBANY, IN 47320-1748
Document Number	2019R05709
Instrument Date	May 8, 2019
Instrument	2019R05709
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 N MAIN ST, ALBANY, IN 47320-1748

Mortgage

Document Number	2019R05710
Date	May 13, 2019
Instrument	2019R05710

Lender

Name	KTL PERFORMANCE MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Delaware County assessment roll, as of June 26, 2026

Property Jurisdictions

Type	Name
State	Indiana
Municipality	Albany Town
County	Delaware County
County Subdivision	Delaware Township
Unified School District	Delaware Community School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$62.00 (+1.64%)	$79,400 (+23.1%) Land $11,500 Building $67,900	$79,400 (+23.1%) Land $11,500 Building $67,900
2024	$61.00 (-84.03%)
2023	$382.00 (-1.8%)	$64,500 (-0.92%) Land $11,500 Building $53,000	$64,500 (-0.92%) Land $11,500 Building $53,000
2022	$389.00 (+23.89%)	$65,100 Land $11,500 Building $53,600	$65,100 Land $11,500 Building $53,600
2021	$314.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 12, 2017 · 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1983–2011)
Most Recent Claim	Feb 2011 · river or lake flooding
Claims by Event	Severe Winter Storms And Flooding, Jan 2005 · 2 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	ALBANY WATER DEPARTMENT serves 2,165 people · EPA ID IN5218001
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 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	1 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 311 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mercury Fiber Fixed Wireless	150 / 20

May also be available: T-Mobile, Verizon.

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