309 W Summit St, Delphi, IN 46923 Property Records

Carroll County property record for 309 W Summit St, Delphi, IN 46923

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,577 sqft · built 1994
Lot Size	0.257 acres (11,194 sqft)
Owner	Individual Name on Record
Last Sale	$222,900 (Oct 2018)
Tax Bill	$2,553 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-06-29-031-058.000-007`

Property Details

APN / Parcel Number

Primary APN	`08-06-29-031-058.000-007`
Alternative APNs	`00941224674` `0173105800`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,577 sqft Living Area
1st Floor Area	2,577 sqft
Basement Area	576 sqft
Finished Basement	576 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	11,194 sqft (0.257 acres)
Lot Dimensions	140 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	77 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00941224674
Street Address	309 W SUMMIT ST
City	DELPHI
State	IN
Zip	46923-1631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	017-31058-00 W2 OF LOT 9 OP SOUTH DELPHI
Legal Lot Number	9
Jurisdiction	CARROLL IN
Township / Civil Division	DEER CREEK
Census Block Group	3
Census Block	3021
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	309 W SUMMIT ST, DELPHI, IN 46923-1631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Oct 12, 2018	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2018 · Amount on Record
Deed Sale	Oct 12, 2018 · Amount on Record
Prior Sale	Mar 14, 2011
Deed Document Number	20183212
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	309 W SUMMIT ST, DELPHI, IN 46923-1631
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021000472
Date	Feb 11, 2021
Instrument	2021000472

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARROLL IN
Recording Date	Oct 12, 2018
Property Address	309 W SUMMIT ST, DELPHI, IN 46923-1631
Document Number	2018003212
Map Reference	MB A PG 74
Instrument Date	Oct 5, 2018
Instrument	2018003212
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	COLUMBIA TITLE, COLUMBIA TITLE INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 W SUMMIT ST, DELPHI, IN 46923-1631

Mortgage

Document Number	2018003213
Date	Oct 12, 2018
Instrument	2018003213

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

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	$2,553.00 (+0.31%) Homeowner's exemption	$282,100 (+28.64%) Land $22,300 Building $259,800	$282,100 (+28.64%) Land $22,300 Building $259,800
2024	$2,545.00 (+31.05%)
2023		$219,300 (+11.55%) Land $22,300 Building $197,000	$219,300 (+11.55%) Land $22,300 Building $197,000
2022	$1,942.00 Homeowner's exemption	$196,600 Land $20,300 Building $176,300	$196,600 Land $20,300 Building $176,300

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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