414 W Summit St, Delphi, IN 46923 Property Records

Carroll County property record for 414 W Summit St, Delphi, IN 46923

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 980 sqft · built 1958
Lot Size	0.178 acres (7,753 sqft)
Owner	Individual Name on Record
Last Sale	$148,400 (Aug 2020)
Tax Bill	$404 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-06-29-030-011.000-007`

Property Details

APN / Parcel Number

Primary APN	`08-06-29-030-011.000-007`
Alternative APNs	`01539061338` `0173001100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	980 sqft Living Area
1st Floor Area	980 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	7,753 sqft (0.178 acres)
Lot Dimensions	129 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	01539061338
Street Address	414 W SUMMIT ST
City	DELPHI
State	IN
Zip	46923-1632
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	017-30011-00 GILLIFORD ADD LOT 1 BLOCK 1 PT VAC ALLEY
Legal Subdivision	GILLIFORD ADD
Legal Block	1
Legal Lot Number	1
Jurisdiction	CARROLL IN
Township / Civil Division	DEER CREEK
Census Block Group	3
Census Block	3047
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	414 W SUMMIT ST, DELPHI, IN 46923-1632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage HORIZON BANK
Jul 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Dec 2, 2020	Deed of Trust, Mortgage · Stand-Alone First Mortgage HORIZON BANK
Aug 20, 2020	Warranty Deed, Transfer · Conventional Mortgage HORIZON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2020 · Amount on Record
Deed Sale	Aug 20, 2020 · Amount on Record
Prior Sale	Jun 16, 2016
Deed Document Number	20202713
Prior Transfer Date	Sep 27, 2016
Prior Transfer Doc	2016003441
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	414 W SUMMIT ST, DELPHI, IN 46923-1632
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021002555
Date	Jul 12, 2021
Instrument	2021002555

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Sep 1, 2050

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	414 W SUMMIT ST, DELPHI, IN 46923-1632
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017002367
Date	Jul 31, 2017
Instrument	2017002367

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2032

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL IN
Property Address	414 W SUMMIT ST, DELPHI, IN 46923-1632
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 W SUMMIT ST, DELPHI, IN 46923-1632

Mortgage

Document Number	2020004038
Date	Dec 2, 2020
Instrument	2020004038

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 1, 2025

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARROLL IN
Recording Date	Aug 20, 2020
Property Address	414 W SUMMIT ST, DELPHI, IN 46923-1632
Document Number	2020002713
Instrument Date	Aug 10, 2020
Instrument	2020002713
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	COLUMBIA TITLE, COLUMBIA TITLE INC

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	414 W SUMMIT ST, DELPHI, IN 46923-1632

Mortgage

Document Number	2020002714
Date	Aug 20, 2020
Instrument	2020002714

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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	$404.00 (-3.35%) Homeowner's exemption	$79,500 (+26.19%) Land $16,100 Building $63,400	$79,500 (+26.19%) Land $16,100 Building $63,400
2024	$418.00 (+2.7%)
2023		$63,000 (+9.57%) Land $16,100 Building $46,900	$63,000 (+9.57%) Land $16,100 Building $46,900
2022	$407.00	$57,500 Land $14,700 Building $42,800	$57,500 Land $14,700 Building $42,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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.

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 105 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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