Montgomery County property record for 421 E Elm St, Ladoga, IN 47954
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 936 sqft · built 1949 |
| Lot Size | 0.372 acres (16,204 sqft) |
| Owner | Individual Name on File |
| Last Sale | $138,000 (Dec 2022) |
| Tax Bill | $480 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Dec 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 006-05002-10 |
| Primary APN | 006-05002-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 936 sqft Living Area |
| 1st Floor Area | 1,872 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 936 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1956 |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Metal |
| Lot Area | 16,204 sqft (0.372 acres) |
| Lot Dimensions | 178 ft deep x 91 ft wide |
| Terrain | Rolling |
| Garage Type | Carport |
| Garage Area | 240 sqft |
| Carport | Carport |
| Carport Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 006-05002-10 |
|---|---|
| Street Address | 421 E ELM ST |
| City | LADOGA |
| State | IN |
| Zip | 47954-9382 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT LOTS 9 & 10 FRANK GILLS ADD |
| Legal Subdivision | FRANK GILL ADDITION |
| Legal Lot Number | 9-10 |
| Jurisdiction | MONTGOMERY IN |
| Township / Civil Division | CLARK |
| Census Block Group | 3 |
| Census Block | 3039 |
| Census Tract | 957500 |
421 E Elm St is owned and occupied by an individual who bought it in December 2022.
Source: Montgomery County records, as of June 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 421 E ELM ST, LADOGA, IN 47954-9382 |
| 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.
| Date | Document |
|---|---|
| Jan 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOOSIER HEARTLAND STATE BANK |
| Dec 1, 2022 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 1, 2022 · Amount on File |
| Deed Sale | Dec 1, 2022 · Amount on File |
| Prior Sale | Dec 18, 2009 · Amount on File |
| Deed Document Number | 20226546 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Property Address | 421 E ELM ST, LADOGA, IN 47954-9382 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0202100577 |
|---|---|
| Date | Jan 26, 2021 |
| Instrument | 202100577 |
| Name | HOOSIER HEARTLAND STATE BANK |
|---|---|
| Type | Bank |
| Address | CRAWFORDSVILLE, IN 47933 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Recording Date | Dec 1, 2022 |
| Property Address | 421 E ELM ST, LADOGA, IN 47954-9382 |
| Document Number | 0202206546 |
| Instrument Date | Nov 23, 2022 |
| Instrument | 202206546 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Title Company | PARTNERS TITLE GROUP INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 421 E ELM ST, LADOGA, IN 47954-9382 |
| Document Number | 0202206547 |
|---|---|
| Date | Dec 1, 2022 |
| Instrument | 202206547 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2052 |
The 2025 property tax bill for 421 E Elm St was $480, up 5.5% from the year before.
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 | $480.00 (+5.49%) | $99,400 (+9.47%) Land $24,000 Building $75,400 | $99,400 (+9.47%) Land $24,000 Building $75,400 |
| 2024 | $455.00 (-2.36%) | $90,800 (+0.89%) Land $24,000 Building $66,800 | $90,800 (+0.89%) Land $24,000 Building $66,800 |
| 2023 | $466.00 (+21.67%) | $90,000 Land $19,800 Building $70,200 | $90,000 Land $19,800 Building $70,200 |
| 2022 | $383.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 421 E Elm St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2008.
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 |
|---|---|
| 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.
Wildfire risk around 421 E Elm 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 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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