328 W Summit St, Delphi, IN 46923 Property Records

Carroll County property record for 328 W Summit St, Delphi, IN 46923

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 768 sqft · built 1946
Lot Size	0.281 acres (12,240 sqft)
Owner	Individual Name on Record
Last Sale	$77,600 (Dec 2020)
Tax Bill	$749 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Apr 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-06-29-031-029.000-007`

Property Details

APN / Parcel Number

Primary APN	`08-06-29-031-029.000-007`
Alternative APNs	`00532365689` `0173102900`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
1st Floor Area	1,536 sqft
Basement Area	768 sqft
Finished Basement	768 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Construction Type	Wood
Roof Material	Asphalt
Lot Area	12,240 sqft (0.281 acres)
Lot Dimensions	102 ft deep x 120 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00532365689
Street Address	328 W SUMMIT ST
City	DELPHI
State	IN
Zip	46923-1630
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	017-31029-00 S DELPHI OP W 2/3 LOT 29
Legal Subdivision	S DELPHI
Legal Lot Number	29
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

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	328 W SUMMIT ST, DELPHI, IN 46923-1630
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Apr 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Dec 22, 2020	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC
Mar 6, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2020 · Amount on Record
Deed Sale	Dec 22, 2020 · Amount on Record
Prior Sale	Apr 25, 2013 · Amount on Record
Deed Document Number	20204312
Prior Transfer Date	Mar 26, 2013
Prior Transfer Doc	2013001659
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	328 W SUMMIT ST, DELPHI, IN 46923-1630
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018003321
Date	Oct 24, 2018
Instrument	2018003321

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2038

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	328 W SUMMIT ST, DELPHI, IN 46923-1630
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019001170
Date	Apr 30, 2019
Instrument	2019001170

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARROLL IN
Recording Date	Dec 22, 2020
Property Address	328 W SUMMIT ST, DELPHI, IN 46923-1630
Document Number	2020004312
Instrument Date	Dec 18, 2020
Instrument	2020004312
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 W SUMMIT ST, DELPHI, IN 46923-1630

Mortgage

Document Number	2020004313
Date	Dec 22, 2020
Instrument	2020004313

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARROLL IN
Recording Date	Mar 6, 2018
Property Address	328 W SUMMIT ST, DELPHI, IN 46923-1630
Document Number	2018000745
Instrument Date	Jan 25, 2018
Instrument	2018000745
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	328 W SUMMIT ST, DELPHI, IN 46923-1630

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 W SUMMIT ST, DELPHI, IN 46923-1630

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	$749.00 (+2.18%) Homeowner's exemption	$107,400 (+23.17%) Land $28,500 Building $78,900	$107,400 (+23.17%) Land $28,500 Building $78,900
2024	$733.00 (+45.44%)
2023		$87,200 (+10.66%) Land $28,500 Building $58,700	$87,200 (+10.66%) Land $28,500 Building $58,700
2022	$504.00	$78,800 Land $25,900 Building $52,900	$78,800 Land $25,900 Building $52,900

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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