425 E Oak St, Albany, IN 47320 Property Records

Delaware County property record for 425 E Oak St, Albany, IN 47320

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1975
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$69,600 (Dec 2023)
Tax Bill	$36 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Dec 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-08-01-308-002.000-005`

Property Details

APN / Parcel Number

Primary APN	`18-08-01-308-002.000-005`
Alternative APN	`0801308002000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
1st Floor Area	768 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	1,250 ft deep x 400 ft wide
Garage Type	Carport
Garage Area	288 sqft
Carport	Carport
Carport Area	288 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	08 01 308 002 000
Street Address	425 E OAK ST
City	ALBANY
State	IN
Zip	47320-1282
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A L CO SUB 0.0000ACRES STR: 012111 IN: 3 OUT:
Legal Subdivision	ALBANY LAND COS SUB
Jurisdiction	DELAWARE IN
Township / Civil Division	DELAWARE
Census Block Group	6
Census Block	6039
Census Tract	2700

Owner

Source: Delaware County records, as of July 21, 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	425 E OAK ST, ALBANY, IN 47320-1282
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2023	Warranty Deed, Transfer · Conventional Mortgage THRIVE MORTGAGE LLC
Dec 5, 2023	Quit Claim Deed, Transfer CLEAR TITLE
Jan 18, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2023 · Amount on Record
Deed Sale	Dec 12, 2023 · Amount on Record
Prior Sale	Dec 5, 2023
Deed Document Number	202316103
Prior Transfer Date	Nov 29, 2023
Prior Transfer Doc	2023R15549
Record Updated	Sep 20, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE IN
Recording Date	Dec 12, 2023
Property Address	425 E OAK ST, ALBANY, IN 47320-1282
Document Number	2023R16103
Map Reference	PB3PG15
Instrument Date	Nov 29, 2023
Instrument	2023R16103
Transaction Type	Transfer
Record Updated	Jan 19, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 E OAK ST, ALBANY, IN 47320-1282

Mortgage

Document Number	2023R16104
Date	Dec 12, 2023
Instrument	2023R16104

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DELAWARE IN
Recording Date	Dec 5, 2023
Property Address	425 E OAK ST, ALBANY, IN 47320-1282
Document Number	2023R15549
Instrument Date	Nov 29, 2023
Instrument	2023R15549
Transaction Type	Transfer
Record Updated	Jan 19, 2024
Title Company	CLEAR TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 DON DESCH DR, COLDWATER, OH 45828-1583

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DELAWARE IN
Recording Date	Jan 18, 2019
Property Address	425 E OAK ST, ALBANY, IN 47320-1282
Document Number	2019R00645
Instrument Date	Jan 8, 2019
Instrument	2019R00645
Transaction Type	Transfer
Record Updated	Jan 19, 2024

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 E OAK ST, ALBANY, IN 47320-1282

Tax Assessment & Valuation

Source: Delaware County assessment roll, as of June 26, 2026

Property Jurisdictions

Type	Name
State	Indiana
Municipality	Albany Town
County	Delaware County
County Subdivision	Delaware Township
Unified School District	Delaware Community School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$36.00 (+26%)	$59,600 (+21.63%) Land $8,800 Building $50,800	$59,600 (+21.63%) Land $8,800 Building $50,800
2024	$10.00
2023	$10.00 (-96.73%)	$49,000 (-0.81%) Land $8,800 Building $40,200	$49,000 (-0.81%) Land $8,800 Building $40,200
2022	$306.00 (+6.62%)	$49,400 Land $8,800 Building $40,600	$49,400 Land $8,800 Building $40,600
2021	$287.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 12, 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	1 in force
Nearby Flood Claims	10 (1990–2024)
Claims Outside the SFHA	1 of 10
Most Recent Claim	Apr 2024 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes & Flooding, Jul 1992 · 2 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 98% of the US · lower than 85% 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	ALBANY WATER DEPARTMENT serves 2,165 people · EPA ID IN5218001
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 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	1 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 311 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mercury Fiber Fixed Wireless	150 / 20

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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