321 E Elm St, Ladoga, IN 47954 Property Records

Montgomery County property record for 321 E Elm St, Ladoga, IN 47954

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,022 sqft · built 1956
Lot Size	0.263 acres (11,456 sqft)
Owner	Individual Name on File
Last Sale	$106,300 (Nov 2007)
Tax Bill	$991 (2025)
Deeds & Mortgages	Jul 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`006-03036-00`

Property Details

APN / Parcel Number

Primary APN	`006-03036-00`
Alternative APN	`54-16-18-442-007.000-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,022 sqft Living Area
1st Floor Area	3,122 sqft
Basement Area	922 sqft
Unfinished Basement	922 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Construction Type	Brick
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	11,456 sqft (0.263 acres)
Lot Dimensions	155 ft deep x 74 ft wide
Garage Type	Detached
Garage Area	754 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	254 sqft
Porch	Porch
Porch Area	427 sqft
Patio Area	16 sqft
Shed	1 Shed
Shed Area	64 sqft
Lean-To	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	006-03036-00
Street Address	321 E ELM ST
City	LADOGA
State	IN
Zip	47954-9374
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOT 4 MYERS & BRITTS
Legal Subdivision	MYERS AND BRITTS ADDITION
Legal Lot Number	4
Jurisdiction	MONTGOMERY IN
Township / Civil Division	CLARK
Census Block Group	3
Census Block	3038
Census Tract	957500

Owner

321 E Elm St is owned and occupied by an individual who bought it in November 2007.

Source: Montgomery County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	321 E ELM ST, LADOGA, IN 47954-9374
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2007 · Amount on File
Deed Sale	Nov 1, 2007 · Amount on File
Deed Document Number	20076980
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IN
Property Address	321 E ELM ST, LADOGA, IN 47954-9374
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	METROPOLITAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202203982
Date	Jul 15, 2022
Instrument	202203982

Lender

Name	INDUSTRIAL FCU
Type	Credit Union
Address	LAFAYETTE, IN 47905

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 321 E Elm St was $991, up 4% from the year before.

Source: Montgomery County assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Montgomery County
County Subdivision	Clark Township
Municipality	Ladoga Town
Unified School District	South Montgomery Community School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$991.00 (+3.99%)	$153,500 (+12.04%) Land $19,400 Building $134,100	$153,500 (+12.04%) Land $19,400 Building $134,100
2024	$953.00 (-6.93%)	$137,000 (-2.07%) Land $19,400 Building $117,600	$137,000 (-2.07%) Land $19,400 Building $117,600
2023	$1,024.00 (-4.12%)	$139,900 (+6.47%) Land $16,100 Building $123,800	$139,900 (+6.47%) Land $16,100 Building $123,800
2022	$1,068.00	$131,400 Land $16,100 Building $115,300	$131,400 Land $16,100 Building $115,300

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

Flood

FEMA maps place 321 E Elm St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective March 8, 2017 · 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	2 in force
Nearby Flood Claims	5 (2008–2015)
Most Recent Claim	Jul 2015 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 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

Wildfire risk around 321 E Elm St is low, with less than a 0.01% annual chance of 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	Direct burnable vegetation

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	LADOGA WATER WORKS serves 1,180 people · EPA ID IN5254006
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	6 ppb (2025) 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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Fiber	2,000 / 2,000
Spectrum Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20