321 S 23rd St, Richmond, IN 47374 Property Records

Wayne County property record for 321 S 23rd St, Richmond, IN 47374

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,347 sqft · built 1940
Lot Size	0.279 acres (12,153 sqft)
Owner	2 Individual Names on File
Last Sale	$200,900 (Apr 2025)
Tax Bill	$1,493 (2025)
Deeds & Mortgages	Jan 2026 Mortgage May 2007 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`029-42817-00`

Property Details

APN / Parcel Number

Primary APN	`029-42817-00`
Alternative APNs	`89-18-03-130-322.000-030` `500313032200029`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,347 sqft Living Area
1st Floor Area	2,347 sqft
Basement Area	1,024 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	12,153 sqft (0.279 acres)
Lot Dimensions	162 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	500313032200029
Street Address	321 S 23RD ST
City	RICHMOND
State	IN
Zip	47374-5767
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	N 1/2 LOT 8 REEVESTON VIEW LOT 9 REEVESTON VIEW
Legal Subdivision	REEVESTON VIEW ADDITION
Legal Lot Number	8,9
Jurisdiction	WAYNE IN
Township / Civil Division	WAYNE
Census Block Group	1
Census Block	1018
Census Tract	1101

Owner

321 S 23rd St is owned and occupied by two individuals who bought it in April 2025.

Source: Wayne County records, as of June 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	321 S 23RD ST, RICHMOND, IN 47374-5767
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 7, 2026	Deed of Trust, Mortgage · VA Mortgage CREDENCE FUNDING CORP
May 23, 2007	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Apr 7, 2025	Warranty Deed, Transfer · FHA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 7, 2025	Warranty Deed, Transfer · FHA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 21, 2006	Warranty Deed, Transfer · FHA Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2025 · Amount on File
Deed Sale	Apr 7, 2025 · Amount on File
Prior Sale	Apr 21, 2006 · Amount on File
Deed Document Number	20252274
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE IN
Property Address	321 S 23RD ST, RICHMOND, IN 47374-5767
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 S 23RD ST, RICHMOND, IN 47374-5767
Investor	Possibly a Property Investor

Mortgage

Document Number	2026000112
Date	Jan 7, 2026
Instrument	2026000112

Lender

Name	CREDENCE FUNDING CORP
Type	Mortgage Company
Address	ABERDEEN, MD 21001

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

May 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE IN
Property Address	321 S 23RD ST, RICHMOND, IN 47374-5767
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2007005066
Date	May 23, 2007
Instrument	2007005066

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE IN
Recording Date	Apr 7, 2025
Property Address	321 S 23RD ST, RICHMOND, IN 47374-5767
Document Number	2025002274
Instrument Date	Apr 4, 2025
Instrument	2025002274
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 S 23RD ST, RICHMOND, IN 47374-5767
Investor	Possibly a Property Investor

Mortgage

Document Number	2025002275
Date	Apr 7, 2025
Instrument	2025002275

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE IN
Recording Date	Apr 7, 2025
Property Address	321 S 23RD ST, RICHMOND, IN 47374-5767
Document Number	2025002274
Instrument Date	Apr 4, 2025
Instrument	2025002274
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 S 23RD ST, RICHMOND, IN 47374-5767
Investor	Possibly a Property Investor

Mortgage

Document Number	2025002275
Date	Apr 7, 2025
Instrument	2025002275

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

April 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WAYNE IN
Recording Date	Apr 21, 2006
Property Address	321 S 23RD ST, RICHMOND, IN 47374-5767
Document Number	2006004490
Instrument Date	Apr 20, 2006
Instrument	2006004490
Transaction Type	Transfer
Record Updated	Jun 8, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2006004491
Date	Apr 21, 2006
Instrument	2006004491

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	CARMEL, IN 46032

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 321 S 23rd St was $1,493.

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

Property Jurisdictions

Type	Name
State	Indiana
County	Wayne County
County Subdivision	Wayne Township
Municipality	Richmond City
Unified School District	Richmond Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,493.00	$183,100 Land $22,500 Building $160,600	$183,100 Land $22,500 Building $160,600
2023		$135,600 (+3.04%) Land $16,700 Building $118,900	$135,600 (+3.04%) Land $16,700 Building $118,900
2022	$1,315.00 Homeowner's exemption	$131,600 Land $16,400 Building $115,200	$131,600 Land $16,400 Building $115,200

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

Flood

FEMA maps place 321 S 23rd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 1, 2015 · 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	1 in force

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 S 23rd 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 97% of the US · lower than 78% 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	INDIANA AMERICAN WATER - RICHMOND private · serves 41,485 people · EPA ID IN5289012
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	4 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 363 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20

May also be available: AT&T, T-Mobile, Verizon.

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