Montgomery County property record for 709 E Elm St, Ladoga, IN 47954
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,536 sqft · built 1956 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Last Sale | $179,710 (May 2025) |
| Tax Bill | $27 (2025) |
| Deeds & Mortgages | Nov 2020 Line of Credit Aug 2022 Mortgage + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 006-10004-20 |
| Primary APN | 006-10004-20 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,536 sqft Living Area |
| 1st Floor Area | 2,436 sqft |
| Attic | Attic |
| Attic Area | 954 sqft |
| Basement Area | 304 sqft |
| Unfinished Basement | 304 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 158 ft deep x 63 ft wide |
| Garage Type | Detached |
| Garage Area | 315 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 96 sqft |
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 006-10004-20 |
|---|---|
| Street Address | 709 E ELM ST |
| City | LADOGA |
| State | IN |
| Zip | 47954-9369 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT EH SEQ 18-17-3 0.30 A |
| Jurisdiction | MONTGOMERY IN |
| Township / Civil Division | CLARK |
| Census Block Group | 3 |
| Census Block | 3041 |
| Census Tract | 957500 |
709 E Elm St is owned and occupied by an individual who bought it in May 2025.
Source: Montgomery County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 709 E ELM ST, LADOGA, IN 47954-9369 |
| 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 |
|---|---|
| Nov 6, 2020 | Deed of Trust, Mortgage · Line of Credit HOOSIER HEARTLAND STATE BANK |
| Aug 9, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HOOSIER HEARTLAND STATE BANK |
| Mar 24, 2009 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK |
| Jan 11, 2006 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK |
| Sep 26, 2016 | Deed of Trust, Mortgage HOOSIER HEARTLAND STATE BANK |
| May 1, 2025 | Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA |
| Apr 23, 2025 | Transfer on Death Deed, Transfer |
| Apr 7, 2022 | Affidavit of Death of Joint Tenant, Transfer |
| Apr 7, 2022 | Transfer on Death Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2025 · Amount on File |
| Deed Sale | May 1, 2025 · Amount on File |
| Deed Document Number | 20251992 |
| Prior Transfer Date | Apr 4, 2022 |
| Prior Transfer Doc | 0202201946 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Property Address | 709 E ELM ST, LADOGA, IN 47954-9369 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 709 E ELM ST, LADOGA, IN 47954-9369 |
| Document Number | 0202006390 |
|---|---|
| Date | Nov 6, 2020 |
| Instrument | 202006390 |
| Name | HOOSIER HEARTLAND STATE BANK |
|---|---|
| Type | Bank |
| Address | CRAWFORDSVILLE, IN 47933 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 2, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Property Address | 709 E ELM ST, LADOGA, IN 47954-9369 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0202204557 |
|---|---|
| Date | Aug 9, 2022 |
| Instrument | 202204557 |
| Name | HOOSIER HEARTLAND STATE BANK |
|---|---|
| Type | Bank |
| Address | CRAWFORDSVILLE, IN 47933 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Property Address | 709 E ELM ST, LADOGA, IN 47954-9369 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0200901425 |
|---|---|
| Date | Mar 24, 2009 |
| Instrument | 200901425 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Address | LADOGA, IN 47954 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Property Address | 709 E ELM ST, LADOGA, IN 47954-9369 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0200600159 |
|---|---|
| Date | Jan 11, 2006 |
| Instrument | 200600159 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Address | LADOGA, IN 47954 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Property Address | 709 E ELM ST, LADOGA, IN 47954-9369 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0201605129 |
|---|---|
| Date | Sep 26, 2016 |
| Instrument | 201605129 |
| Name | HOOSIER HEARTLAND STATE BANK |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Sep 21, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Recording Date | May 1, 2025 |
| Property Address | 709 E ELM ST, LADOGA, IN 47954-9369 |
| Document Number | 0202501992 |
| Instrument Date | Apr 28, 2025 |
| Instrument | 202501992 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2026 |
| Title Company | PARTNERS TITLE GROUP INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 709 E ELM ST, LADOGA, IN 47954-9369 |
| Document Number | 0202501993 |
|---|---|
| Date | May 1, 2025 |
| Instrument | 202501993 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2055 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Recording Date | Apr 23, 2025 |
| Property Address | 709 E ELM ST, LADOGA, IN 47954-9369 |
| Document Number | 0202501807 |
| Instrument Date | Apr 15, 2025 |
| Instrument | 202501807 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6629 STONEPOINT WAY, INDIANAPOLIS, IN 46237-4415 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Recording Date | Apr 7, 2022 |
| Property Address | 709 E ELM ST, LADOGA, IN 47954-9369 |
| Document Number | 0202201945 |
| Instrument Date | Apr 4, 2022 |
| Instrument | 202201945 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Recording Date | Apr 7, 2022 |
| Property Address | 709 E ELM ST, LADOGA, IN 47954-9369 |
| Document Number | 0202201946 |
| Instrument Date | Apr 4, 2022 |
| Instrument | 202201946 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 709 E ELM ST, LADOGA, IN 47954-9369 |
| Name | Verified Name |
|---|---|
| Address | 6611 LAKESTONE CT, INDIANAPOLIS, IN 46237-9003 |
The 2025 property tax bill for 709 E Elm St was $27, up 3.8% 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 | $27.00 (+3.85%) | $115,000 (+11.87%) Land $21,200 Building $93,800 | $115,000 (+11.87%) Land $21,200 Building $93,800 |
| 2024 | $26.00 (-29.73%) | $102,800 (-0.39%) Land $21,200 Building $81,600 | $102,800 (-0.39%) Land $21,200 Building $81,600 |
| 2023 | $37.00 (+5.71%) | $103,200 (+6.06%) Land $17,500 Building $85,700 | $103,200 (+6.06%) Land $17,500 Building $85,700 |
| 2022 | $35.00 | $97,300 Land $17,500 Building $79,800 | $97,300 Land $17,500 Building $79,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 709 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 |
|
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 709 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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