405 E Smith St, Oxford, IN 47971 Property Records

Benton County property record for 405 E Smith St, Oxford, IN 47971

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,320 sqft · built 1982
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,297 (2025)
Deeds & Mortgages	May 2025 Line of Credit Oct 2006 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`011-00473-01`

Property Details

APN / Parcel Number

Primary APN	`011-00473-01`
Alternative APNs	`04-12-18-444-031.000-011` `00000991462`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Brick
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	120 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00000991462
Street Address	405 E SMITH ST
City	OXFORD
State	IN
Zip	47971
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE1/4 SE1/4 18-24-07 .33A 60X120EA
Legal Subdivision	JUSTUS FIRST ADDITION
Jurisdiction	BENTON IN
Township / Civil Division	OAK GROVE
Census Block Group	2
Census Block	2058
Census Tract	100100

Owner

405 E Smith St is owned and occupied by two individuals who acquired it in January 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	405 E SMITH ST, OXFORD, IN 47971
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
May 6, 2025	Deed of Trust, Mortgage · Line of Credit PURDUE FEDERAL CU
Oct 3, 2006	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK, N.A.
Jun 22, 2022	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2025
Deed Sale	Jan 16, 2025
Prior Sale	Feb 14, 2023 · Amount on File
Deed Document Number	202566
Prior Transfer Date	Nov 21, 2022
Prior Transfer Doc	2025000066
Record Updated	Sep 20, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON IN
Property Address	405 E SMITH ST, OXFORD, IN 47971
Transaction Type	Mortgage
Record Updated	Feb 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025000667
Date	May 6, 2025
Instrument	2025000667

Lender

Name	PURDUE FEDERAL CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON IN
Property Address	405 E SMITH ST, OXFORD, IN 47971
Transaction Type	Mortgage
Record Updated	Feb 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000187/0067
Date	Oct 3, 2006
Book Page	000187/0067
Instrument	200600001702

Lender

Name	JPMORGAN CHASE BANK, N.A.
Address	DEERFIELD BEACH, FL 33442

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2036

June 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	BENTON IN
Recording Date	Jun 22, 2022
Property Address	405 E SMITH ST, OXFORD, IN 47971
Document Number	2022000952
Instrument Date	Feb 8, 2022
Instrument	2022000952
Transaction Type	Transfer
Record Updated	Jul 13, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4165 EISENHOWER RD, LAFAYETTE, IN 47905-8425

Tax Assessment & Valuation

The 2025 property tax bill for 405 E Smith St was $1,297 with a homeowner's exemption, up 8.4% from the year before.

Source: Benton County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Benton County
County Subdivision	Oak Grove Township
Municipality	Oxford Town
Unified School District	Benton Community School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,297.00 (+8.35%) Homeowner's exemption	$149,600 Land $11,700 Building $137,900	$149,600 Land $11,700 Building $137,900
2024	$1,197.00 (+3.19%)
2023	$1,160.00 (-62.1%)	$124,600 (-5.89%) Land $11,700 Building $112,900	$124,600 (-5.89%) Land $11,700 Building $112,900
2022	$3,061.00	$132,400 Land $11,700 Building $120,700	$132,400 Land $11,700 Building $120,700

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

Flood

FEMA maps place 405 E Smith St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 2, 2012

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 405 E Smith 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	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	OXFORD WATER UTILITY serves 1,200 people · EPA ID IN5204005
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 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	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 288 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mainstream Fiber Networks Fiber	1,000 / 1,000
On-Ramp Indiana Fixed Wireless	200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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