903 N Melching Dr, Ossian, IN 46777 Property Records

Wells County property record for 903 N Melching Dr, Ossian, IN 46777

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1950
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Individual Names on Record
Last Sale	$152,950 (Mar 2025)
Tax Bill	$425 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`90-02-15-516-089.000-009`

Property Details

APN / Parcel Number

Primary APN	`90-02-15-516-089.000-009`
Alternative APNs	`00001569167` `0151085400`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	720 sqft Living Area
1st Floor Area	720 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1990
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	6,229 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00001569167
Street Address	903 N MELCHING DR
City	OSSIAN
State	IN
Zip	46777-8901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A A MELCHING SUB-DIV PT N/25' LOT 52 & PT S/25' LOT 53 (15-A)
Legal Subdivision	ALBERT A MELCHING SUB
Legal Lot Number	52,53
Jurisdiction	WELLS IN
Township / Civil Division	JEFFERSON
Census Block Group	4
Census Block	4013
Census Tract	40100

Owner

Source: Wells County records, as of June 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	903 N MELCHING DR, OSSIAN, IN 46777-8901
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage THREE RIVERS FCU
Mar 7, 2025	Warranty Deed, Transfer · Conventional Mortgage THREE RIVERS FCU
May 22, 2019	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2025 · Amount on Record
Deed Sale	Mar 7, 2025 · Amount on Record
Prior Sale	May 22, 2019 · Amount on Record
Deed Document Number	2025750
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLS IN
Property Address	903 N MELCHING DR, OSSIAN, IN 46777-8901
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	TRADEMARK TITLE INC, TRADEMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020221541
Date	Apr 5, 2022
Instrument	20221541

Lender

Name	THREE RIVERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2037

Interest

Rate Type	Fixed Rate

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WELLS IN
Recording Date	Mar 7, 2025
Property Address	903 N MELCHING DR, OSSIAN, IN 46777-8901
Document Number	0020250750
Instrument Date	Mar 7, 2025
Instrument	20250750
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	903 N MELCHING DR, OSSIAN, IN 46777-8901

Mortgage

Document Number	0020250751
Date	Mar 7, 2025
Instrument	20250751

Lender

Name	THREE RIVERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	5.62%
Max Rate At Change	9.62%
Index	1-Year CMT
Max Rate	13.6%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WELLS IN
Recording Date	May 22, 2019
Property Address	903 N MELCHING DR, OSSIAN, IN 46777-8901
Document Number	0020191642
Instrument Date	May 15, 2019
Instrument	20191642
Transaction Type	Transfer
Record Updated	May 2, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 N MELCHING DR, OSSIAN, IN 46777-8901

Mortgage

Document Number	0020191643
Date	May 22, 2019
Instrument	20191643

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2034

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Wells County
County Subdivision	Jefferson Township
Municipality	Ossian Town
Unified School District	Northern Wells Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$425.00 (+7.59%) Homeowner's exemption	$98,300 (+21.96%) Land $22,100 Building $76,200	$98,300 (+21.96%) Land $22,100 Building $76,200
2024	$395.00 (+85.45%)
2023		$80,600 (+9.66%) Land $19,800 Building $60,800	$80,600 (+9.66%) Land $19,800 Building $60,800
2022	$213.00	$73,500 Land $13,800 Building $59,700	$73,500 Land $13,800 Building $59,700

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 30, 2016 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

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	None beyond ember reach

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	OSSIAN MUNICIPAL WATER DEPARTMENT serves 3,289 people · EPA ID IN5290002
Water Source	Groundwater
Last State Inspection	Aug 2024
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 262 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
Watch TV Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Lakeland Internet, TWN Communications.

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