402 Cottage St, Delphi, IN 46923 Property Records

Carroll County property record for 402 Cottage St, Delphi, IN 46923

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,396 sqft · built 1900
Lot Size	0.18 acres (7,840 sqft)
Owner	Individual Name on File
Last Sale	$61,400 (Dec 2018)
Tax Bill	$592 (2025)
Deeds & Mortgages	Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-06-29-013-052.000-007`

Property Details

APN / Parcel Number

Primary APN	`08-06-29-013-052.000-007`
Alternative APNs	`00885500119` `0171305200`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,396 sqft Living Area
1st Floor Area	1,396 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	7,840 sqft (0.18 acres)
Lot Dimensions	131 ft deep x 60 ft wide
Garage Type	Carport
Garage Area	276 sqft
Carport	Carport
Carport Area	276 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00885500119
Street Address	402 COTTAGE ST
City	DELPHI
State	IN
Zip	46923-1312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	017-13052-00 DEER CREEK ESTATE LOT 21
Legal Subdivision	DEER CREEK ESTATE
Legal Lot Number	21
Jurisdiction	CARROLL IN
Township / Civil Division	DEER CREEK
Census Block Group	1
Census Block	1011
Census Tract	959600

Owner

402 Cottage St is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Mailing Address	402 COTTAGE ST, DELPHI, IN 46923-1312
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	Dec 10, 2018 · Amount on File
Deed Sale	Dec 10, 2018 · Amount on File
Prior Sale	Jun 3, 2013 · Amount on File
Deed Document Number	20183933
Record Updated	Sep 20, 2026

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL IN
Recording Date	Dec 10, 2018
Property Address	402 COTTAGE ST, DELPHI, IN 46923-1312
Document Number	2018003933
Instrument Date	Dec 10, 2018
Instrument	2018003933
Transaction Type	Transfer
Record Updated	Dec 6, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 COTTAGE ST, DELPHI, IN 46923-1312

Mortgage

Document Number	2018003934
Date	Dec 10, 2018
Instrument	2018003934

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 402 Cottage St was $592 with a homeowner's exemption, up 7.1% 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	$592.00 (+7.05%) Homeowner's exemption	$95,900 Land $16,300 Building $79,600	$95,900 Land $16,300 Building $79,600
2024	$553.00
2023		$74,800 (+11.31%) Land $16,300 Building $58,500	$74,800 (+11.31%) Land $16,300 Building $58,500
2022	$406.00	$67,200 Land $14,800 Building $52,400	$67,200 Land $14,800 Building $52,400

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

Flood

FEMA maps place 402 Cottage St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 402 Cottage 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 96% of the US · lower than 73% 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	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 107 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