411 E Smith St, Oxford, IN 47971 Property Records

Benton County property record for 411 E Smith St, Oxford, IN 47971

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,696 sqft · built 1890
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Last Sale	$88,100 (Sep 2018)
Tax Bill	$1,206 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Jan 2022 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`011-00414-00`

Property Details

APN / Parcel Number

Primary APN	`011-00414-00`
Alternative APNs	`04-12-18-444-029.000-011` `00000991458`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,696 sqft Living Area
1st Floor Area	1,696 sqft
Basement Area	162 sqft
Unfinished Basement	162 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1980
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	131 ft deep x 120 ft wide
Garage Type	Detached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00000991458
Street Address	411 E SMITH ST
City	OXFORD
State	IN
Zip	47971-8503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE1/4 SE1/4 18-24-07 .36A 131X120
Legal Subdivision	JESTUS' FIRST ADDITION
Jurisdiction	BENTON IN
Township / Civil Division	OAK GROVE
Census Block Group	2
Census Block	2058
Census Tract	100100

Owner

411 E Smith St is owned and occupied by an individual who bought it in September 2018.

Source: Benton County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	411 E SMITH ST, OXFORD, IN 47971-8503
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

Date	Document
Feb 13, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING URBAN & DEVELOPMENT
Jan 25, 2022	Deed of Trust, Mortgage · Loan Modification FREEDOM MORTGAGE CORP
Jan 25, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 19, 2018	Personal Representative Deed, Transfer RUOFF MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2018 · Amount on File
Deed Sale	Sep 19, 2018 · Amount on File
Deed Document Number	20181322
Prior Transfer Date	Jan 24, 2007
Prior Transfer Doc	00188/1057
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON IN
Property Address	411 E SMITH ST, OXFORD, IN 47971-8503
Transaction Type	Mortgage
Record Updated	Mar 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024000201
Date	Feb 13, 2024
Instrument	2024000201

Lender

Name	SECRETARY OF HOUSING URBAN & DEVELOPMENT
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	335 Months
Due	Jan 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON IN
Property Address	411 E SMITH ST, OXFORD, IN 47971-8503
Transaction Type	Mortgage
Record Updated	Feb 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022000104
Date	Jan 25, 2022
Instrument	2022000104

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Loan Modification
Amount	Amount on Record

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON IN
Property Address	411 E SMITH ST, OXFORD, IN 47971-8503
Transaction Type	Mortgage
Record Updated	Feb 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022000105
Date	Jan 25, 2022
Instrument	2022000105

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

September 2018: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	BENTON IN
Recording Date	Sep 19, 2018
Property Address	411 E SMITH ST, OXFORD, IN 47971-8503
Document Number	2018001322
Instrument Date	Sep 6, 2018
Instrument	2018001322
Transaction Type	Transfer
Record Updated	Dec 23, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 E SMITH ST, OXFORD, IN 47971-8503

Mortgage

Document Number	2018001323
Date	Sep 19, 2018
Instrument	2018001323

Lender

Name	RUOFF MORTGAGE CO
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	352 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 411 E Smith St was $1,206 with a homeowner's exemption, up 1.6% 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	$1,206.00 (+1.6%) Homeowner's exemption	$144,000 Land $12,300 Building $131,700	$144,000 Land $12,300 Building $131,700
2024	$1,187.00 (+9.2%)
2023	$1,087.00 (-11.12%)	$120,700 (-5.04%) Land $12,300 Building $108,400	$120,700 (-5.04%) Land $12,300 Building $108,400
2022	$1,223.00	$127,100 Land $12,300 Building $114,800	$127,100 Land $12,300 Building $114,800

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

Flood

FEMA maps place 411 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 411 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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