318 W Summit St, Delphi, IN 46923 Property Records

Carroll County property record for 318 W Summit St, Delphi, IN 46923

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,681 sqft · built 1966
Lot Size	0.237 acres (10,323 sqft)
Owner	Individual Name on File
Last Sale	$284,287 (Jan 2022)
Tax Bill	$2,186 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-06-29-031-032.000-007`

Property Details

APN / Parcel Number

Primary APN	`08-06-29-031-032.000-007`
Alternative APNs	`00492931889` `0173103200`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,681 sqft Living Area
1st Floor Area	1,681 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1987
Foundation Type	No Foundation
Roof Material	Metal
Lot Area	10,323 sqft (0.237 acres)
Lot Dimensions	172 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	1,698 sqft
Parking Spaces	6 Parking Spaces
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00492931889
Street Address	318 W SUMMIT ST
City	DELPHI
State	IN
Zip	46923-1630
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	017-31032-00 SOUTH DELPHI OP W3 LOT 28
Legal Subdivision	SOUTH DELPHI
Legal Lot Number	28
Jurisdiction	CARROLL IN
Township / Civil Division	DEER CREEK
Census Block Group	3
Census Block	3048
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

318 W Summit St is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	318 W SUMMIT ST, DELPHI, IN 46923-1630
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 11, 2017	Deed of Trust, Mortgage · ARM FIRST FINANCIAL BANK
Apr 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage HORIZON BANK
Jan 28, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST FINANCIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2022 · Amount on File
Deed Sale	Jan 28, 2022 · Amount on File
Deed Document Number	2022341
Record Updated	Sep 20, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	318 W SUMMIT ST, DELPHI, IN 46923-1630
Transaction Type	Mortgage
Record Updated	May 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2017000123
Date	Jan 11, 2017
Instrument	2017000123

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45246

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Feb 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6%
Index	1-Year LIBOR
Margin	2
Max Rate	10%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	318 W SUMMIT ST, DELPHI, IN 46923-1630
Transaction Type	Mortgage
Record Updated	May 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2020001078
Date	Apr 14, 2020
Instrument	2020001078

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARROLL IN
Recording Date	Jan 28, 2022
Property Address	318 W SUMMIT ST, DELPHI, IN 46923-1630
Document Number	2022000341
Instrument Date	Jan 21, 2022
Instrument	2022000341
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	METROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE OF IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 W SUMMIT ST, DELPHI, IN 46923-1630

Mortgage

Document Number	2022000342
Date	Jan 28, 2022
Instrument	2022000342

Lender

Name	FIRST FINANCIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 318 W Summit St was $2,186 with a homeowner's exemption, up 4.5% from the year before.

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	$2,186.00 (+4.49%) Homeowner's exemption	$241,300 Land $13,500 Building $227,800	$241,300 Land $13,500 Building $227,800
2024	$2,092.00
2023		$181,700 (+8.09%) Land $13,500 Building $168,200	$181,700 (+8.09%) Land $13,500 Building $168,200
2022	$1,846.00 Homeowner's exemption	$168,100 Land $12,300 Building $155,800	$168,100 Land $12,300 Building $155,800

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

Flood

FEMA maps place 318 W Summit St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1985.

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

The area around 318 W Summit 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	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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