301 E Smith St, Oxford, IN 47971 Property Records

Benton County property record for 301 E Smith St, Oxford, IN 47971

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,152 sqft · built 1935
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on Record
Last Sale	$129,400 (Feb 2025)
Tax Bill	$240 (2024)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Feb 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`011-00058-00`

Property Details

APN / Parcel Number

Primary APN	`011-00058-00`
Alternative APNs	`04-12-18-444-036.000-011` `00000991474`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Basement Area	1,152 sqft
Finished Basement	1,152 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1994
Roof Material	Asphalt
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00000991474
Street Address	301 E SMITH ST
City	OXFORD
State	IN
Zip	47971
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JUSTUS 1ST ADD - LOT 8 BLK 1 - 60X120
Legal Subdivision	JUSTUS 1ST ADD
Legal Block	1-60
Legal Lot Number	8
Jurisdiction	BENTON IN
Township / Civil Division	OAK GROVE
Census Block Group	2
Census Block	2057
Census Tract	100100

Owner

Source: Benton County records, as of July 2, 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	301 E SMITH ST, OXFORD, IN 47971
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Warranty Deed, Transfer · FHA Mortgage FAIRWAY LENDING
Feb 4, 2025	Affidavit, Transfer · Conventional Mortgage FIRST MERCHANTS BANK
Dec 28, 2018	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST MERCHANTS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2025 · Amount on Record
Deed Sale	Feb 4, 2025 · Amount on Record
Prior Sale	Dec 28, 2018 · Amount on Record
Deed Document Number	2025179
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON IN
Recording Date	Jul 14, 2026
Property Address	301 E SMITH ST, OXFORD, IN 47971
Document Number	0000001035
Instrument Date	Jun 30, 2026
Instrument	20261035
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	ADVANTAGE TITLE INC, ADVANTAGE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 E SMITH ST, OXFORD, IN 47971

Mortgage

Document Number	0000001036,
Date	Jul 14, 2026
Instrument	20261036

Lender

Name	FAIRWAY LENDING

Agreement

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

Interest

Rate	6.53%
Max Rate	-1%

February 2025: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	BENTON IN
Recording Date	Feb 4, 2025
Property Address	301 E SMITH ST, OXFORD, IN 47971
Document Number	2025000179
Instrument Date	Jan 27, 2025
Instrument	2025000179
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 E SMITH ST, OXFORD, IN 47971

Mortgage

Document Number	2025000180
Date	Feb 4, 2025
Instrument	2025000180

Lender

Name	FIRST MERCHANTS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2055

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON IN
Recording Date	Dec 28, 2018
Property Address	301 E SMITH ST, OXFORD, IN 47971
Document Number	2018001900
Instrument Date	Dec 18, 2018
Instrument	2018001900
Transaction Type	Transfer
Record Updated	Dec 23, 2021

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	2018001901
Date	Dec 28, 2018
Instrument	2018001901

Lender

Name	FIRST MERCHANTS BANK

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption	$147,400 (+48.29%) Land $7,800 Building $139,600	$147,400 (+48.29%) Land $7,800 Building $139,600
2024	$240.00
2023		$99,400 (+1.64%) Land $7,800 Building $91,600	$99,400 (+1.64%) Land $7,800 Building $91,600
2022	$125.00	$97,800 Land $7,800 Building $90,000	$97,800 Land $7,800 Building $90,000

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 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% 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	OXFORD WATER UTILITY serves 1,200 people · EPA ID IN5204005
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	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	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 288 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mainstream Fiber Networks Fiber	1,000 / 1,000
On-Ramp Indiana Fixed Wireless	200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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