Montgomery County property record for 405 E Main St, Ladoga, IN 47954
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,797 sqft · built 1956 |
| Lot Size | 0.517 acres (22,521 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $121,400 (Nov 2016) |
| Tax Bill | $976 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Apr 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 006-10003-00 |
| Primary APN | 006-10003-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,797 sqft Living Area |
| 1st Floor Area | 4,376 sqft |
| Basement Area | 666 sqft |
| Unfinished Basement | 666 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 22,521 sqft (0.517 acres) |
| Lot Dimensions | 150 ft deep x 150 ft wide |
| Garage Type | Detached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 420 sqft |
| Shed | 1 Shed |
| Shed Area | 84 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 006-10003-00 |
|---|---|
| Street Address | 405 E MAIN ST |
| City | LADOGA |
| State | IN |
| Zip | 47954-7011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 43 LABAREES ADD |
| Legal Subdivision | H LABREES ADDITION |
| Legal Lot Number | 43 |
| Jurisdiction | MONTGOMERY IN |
| Township / Civil Division | CLARK |
| Census Block Group | 3 |
| Census Block | 3048 |
| Census Tract | 957500 |
Source: Montgomery County records, as of October 20, 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 | 405 E MAIN ST, LADOGA, IN 47954-7011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 28, 2022 | Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC |
| Apr 5, 2021 | Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Jul 14, 2017 | Deed of Trust, Mortgage · VA Mortgage UNITED MILITARY MORTGAGE LLC |
| Jun 18, 2020 | Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Sep 18, 2019 | Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Aug 12, 2019 | Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 9, 2016 · Amount on Record |
| Deed Sale | Nov 9, 2016 · Amount on Record |
| Deed Document Number | 20165937 |
| Prior Transfer Date | Oct 15, 2008 |
| Prior Transfer Doc | 0200805624 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Property Address | 405 E MAIN ST, LADOGA, IN 47954-7011 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0202201691 |
|---|---|
| Date | Mar 28, 2022 |
| Instrument | 202201691 |
| Name | LOW VA RATES LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | LINDON, UT 84042 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.25% |
| Type Change Date | Jul 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 3.25% |
| Index | 1-Year CMT |
| Max Rate | 7.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Property Address | 405 E MAIN ST, LADOGA, IN 47954-7011 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202102327 |
|---|---|
| Date | Apr 5, 2021 |
| Instrument | 202102327 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89052 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Property Address | 405 E MAIN ST, LADOGA, IN 47954-7011 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | ELEVETED TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 201703551 |
|---|---|
| Date | Jul 14, 2017 |
| Instrument | 201703551 |
| Name | UNITED MILITARY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | LINDON, UT 84042 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.37% |
| Type Change Date | Oct 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 3.37% |
| Index | 1-Year CMT |
| Max Rate | 7.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Property Address | 405 E MAIN ST, LADOGA, IN 47954-7011 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202003120 |
|---|---|
| Date | Jun 18, 2020 |
| Instrument | 202003120 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89052 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Property Address | 405 E MAIN ST, LADOGA, IN 47954-7011 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2019 |
| Name | Verified Name |
|---|
| Document Number | 201904989 |
|---|---|
| Date | Sep 18, 2019 |
| Instrument | 201904989 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89052 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Property Address | 405 E MAIN ST, LADOGA, IN 47954-7011 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2019 |
| Name | Verified Name |
|---|
| Document Number | 201904284 |
|---|---|
| Date | Aug 12, 2019 |
| Instrument | 201904284 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89052 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
Source: Montgomery County assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Montgomery County |
| County Subdivision | Clark Township |
| Municipality | Ladoga Town |
| Unified School District | South Montgomery Community School Corporation (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $976.00 (+7.61%) | $194,000 (+12.01%) Land $29,200 Building $164,800 | $194,000 (+12.01%) Land $29,200 Building $164,800 |
| 2024 | $907.00 (-0.11%) | $173,200 (-1.09%) Land $29,200 Building $144,000 | $173,200 (-1.09%) Land $29,200 Building $144,000 |
| 2023 | $908.00 (+0.33%) | $175,100 (+6.51%) Land $24,100 Building $151,000 | $175,100 (+6.51%) Land $24,100 Building $151,000 |
| 2022 | $905.00 | $164,400 Land $24,100 Building $140,300 | $164,400 Land $24,100 Building $140,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 |
|
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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