503 E Elm St, Ladoga, IN 47954 Property Records

Montgomery County property record for 503 E Elm St, Ladoga, IN 47954

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,792 sqft · built 1956
Lot Size	0.213 acres (9,278 sqft)
Owner	Individual Name on File
Last Sale	$229,726 (Aug 2023)
Tax Bill	$654 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`006-14004-10`

Property Details

APN / Parcel Number

Primary APN	`006-14004-10`
Alternative APN	`54-16-18-442-016.000-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,792 sqft Living Area
1st Floor Area	3,200 sqft
Attic	Attic
Attic Area	384 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	9,278 sqft (0.213 acres)
Lot Dimensions	155 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	348 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	006-14004-10
Street Address	503 E ELM ST
City	LADOGA
State	IN
Zip	47954-9366
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 MYERS & BRITTS AKA LOT 7 FRANK GILLS ADD
Legal Subdivision	MYERS AND BRITTS ADDITION
Legal Lot Number	3,7
Jurisdiction	MONTGOMERY IN
Township / Civil Division	CLARK
Census Block Group	3
Census Block	3039
Census Tract	957500

Owner

503 E Elm St is owned and occupied by an individual who bought it in August 2023.

Source: Montgomery County records, as of June 22, 2026

Owner of Record	Individual Name on File
Mailing Address	503 E ELM ST, LADOGA, IN 47954-9366
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2023 · Amount on File
Deed Sale	Aug 21, 2023 · Amount on File
Prior Sale	Dec 22, 2014 · Amount on File
Deed Document Number	20233810
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IN
Recording Date	Aug 21, 2023
Property Address	503 E ELM ST, LADOGA, IN 47954-9366
Document Number	0202303810
Instrument Date	Aug 16, 2023
Instrument	202303810
Transaction Type	Transfer
Record Updated	Dec 8, 2023
Title Company	PARTNERS TITLE GROUP INC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 E ELM ST, LADOGA, IN 47954-9366

Mortgage

Document Number	0202303811
Date	Aug 21, 2023
Instrument	202303811

Lender

Name	WOLFE FINANCIAL INC
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 503 E Elm St was $654, up 9.5% from the year before.

Source: Montgomery County assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Montgomery County
County Subdivision	Clark Township
Municipality	Ladoga Town
Unified School District	South Montgomery Community School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$654.00 (+9.55%)	$118,000 (+13.35%) Land $17,200 Building $100,800	$118,000 (+13.35%) Land $17,200 Building $100,800
2024	$597.00 (+26.48%)	$104,100 (+11.22%) Land $17,200 Building $86,900	$104,100 (+11.22%) Land $17,200 Building $86,900
2023	$472.00 (-74.46%)	$93,600 (+6.36%) Land $14,200 Building $79,400	$93,600 (+6.36%) Land $14,200 Building $79,400
2022	$1,848.00	$88,000 Land $14,200 Building $73,800	$88,000 Land $14,200 Building $73,800

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

Flood

FEMA maps place 503 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 March 8, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 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

Wildfire risk around 503 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.

Drinking Water

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

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 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