Delaware County property record for 440 E Elm St, Albany, IN 47320
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 728 sqft · built 1982 |
| Lot Size | 0.09 acres (3,900 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $322 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-08-01-308-012.000-005 |
| Primary APN | 18-08-01-308-012.000-005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 728 sqft Living Area |
| 1st Floor Area | 728 sqft |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Metal |
| Lot Area | 3,900 sqft (0.09 acres) |
| Lot Dimensions | 600 ft deep x 650 ft wide |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Central |
|---|
| Account Number | 08 01 308 012 000 |
|---|---|
| Street Address | 440 E ELM ST |
| City | ALBANY |
| State | IN |
| Zip | 47320-1258 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | A L CO SUB SE COR 17 & E 1/2 19 0.0000ACRES STR: 012111 IN: OUT: |
| Legal Subdivision | A L CO SUB |
| Jurisdiction | DELAWARE IN |
| Township / Civil Division | DELAWARE |
| Census Block Group | 6 |
| Census Block | 6039 |
| Census Tract | 2700 |
440 E Elm St is owned and occupied by an individual.
Source: Delaware County records, as of June 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 440 E ELM ST, ALBANY, IN 47320-1258 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE IN |
| Property Address | 440 E ELM ST, ALBANY, IN 47320-1258 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2023R05395 |
|---|---|
| Date | Apr 25, 2023 |
| Instrument | 2023R05395 |
| Name | FINANCIAL CENTER FIRST CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 24, 2038 |
The 2025 property tax bill for 440 E Elm St was $322, down 14.8% from the year before.
Source: Delaware County assessment roll, as of June 26, 2026
| Type | Name |
|---|---|
| State | Indiana |
| Municipality | Albany Town |
| County | Delaware County |
| County Subdivision | Delaware Township |
| Unified School District | Delaware Community School Corporation (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $322.00 (-14.81%) | $74,100 Land $9,900 Building $64,200 | $74,100 Land $9,900 Building $64,200 |
| 2024 | $378.00 (+15.6%) | ||
| 2023 | $327.00 (+16.37%) | $55,000 (-5.98%) Land $9,900 Building $45,100 | $55,000 (-5.98%) Land $9,900 Building $45,100 |
| 2022 | $281.00 (+9.77%) | $58,500 Land $9,900 Building $48,600 | $58,500 Land $9,900 Building $48,600 |
| 2021 | $256.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 440 E Elm St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
|
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 440 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 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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