Montgomery County property record for 624 E Elm St, Ladoga, IN 47954
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,272 sqft · built 1890 |
| Lot Size | 0.257 acres (11,195 sqft) |
| Owner | Individual Name on File |
| Last Sale | $139,000 (Jul 2020) |
| Tax Bill | $295 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Dec 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 006-07017-00 |
| Primary APN | 006-07017-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,272 sqft Living Area |
| 1st Floor Area | 3,408 sqft |
| Basement Area | 568 sqft |
| Unfinished Basement | 568 sqft |
| Family Room | Family Room |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1956 |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 11,195 sqft (0.257 acres) |
| Lot Dimensions | 149 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 416 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 280 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 006-07017-00 |
|---|---|
| Street Address | 624 E ELM ST |
| City | LADOGA |
| State | IN |
| Zip | 47954-9772 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT BLOCK 2 HENRY MYERS ADD |
| Legal Subdivision | HENRY MYERS ADDITION |
| Legal Block | 2 |
| Jurisdiction | MONTGOMERY IN |
| Township / Civil Division | CLARK |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 957500 |
624 E Elm St is owned and occupied by an individual who bought it in July 2020.
Source: Montgomery County records, as of June 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 624 E ELM ST, LADOGA, IN 47954-9772 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jul 1, 2020 | Warranty Deed, Transfer · VA Mortgage UNIVERSITY LENDING GROUP LLC |
| Dec 11, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2020 · Amount on File |
| Deed Sale | Jul 1, 2020 · Amount on File |
| Prior Sale | Mar 15, 2013 · Amount on File |
| Deed Document Number | 20203409 |
| Prior Transfer Date | Oct 9, 2009 |
| Prior Transfer Doc | 0200905604 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Recording Date | Jul 1, 2020 |
| Property Address | 624 E ELM ST, LADOGA, IN 47954-9772 |
| Document Number | 0202003409 |
| Instrument Date | Jun 15, 2020 |
| Instrument | 202003409 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2021 |
| Title Company | PARTNERS TITLE GROUP INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 624 E ELM ST, LADOGA, IN 47954-9772 |
| Document Number | 0202003410 |
|---|---|
| Date | Jul 1, 2020 |
| Instrument | 202003410 |
| Name | UNIVERSITY LENDING GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Property Address | 624 E ELM ST, LADOGA, IN 47954-9772 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2019 |
| Name | Verified Name |
|---|
| Document Number | 201806434 |
|---|---|
| Date | Dec 11, 2018 |
| Instrument | 201806434 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | BRECKSVILLE, OH 44141 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Dec 3, 2058 |
The 2025 property tax bill for 624 E Elm St was $295, up 52.8% 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 | $295.00 (+52.85%) | $144,500 (+12.45%) Land $19,300 Building $125,200 | $144,500 (+12.45%) Land $19,300 Building $125,200 |
| 2024 | $193.00 (-1.53%) | $128,500 (-1.53%) Land $19,300 Building $109,200 | $128,500 (-1.53%) Land $19,300 Building $109,200 |
| 2023 | $196.00 (+19.51%) | $130,500 Land $16,000 Building $114,500 | $130,500 Land $16,000 Building $114,500 |
| 2022 | $164.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 624 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 624 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 | None beyond ember reach |
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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