Montgomery County property record for 911 E Elm St, Ladoga, IN 47954
| Property Type | Row House |
|---|---|
| Details | 2 bd · 2 ba · 1,194 sqft · built 1971 |
| Lot Size | 0.356 acres (15,507 sqft) |
| Owner | Individual Name on File |
| Last Sale | $164,000 (Nov 2022) |
| Tax Bill | $1,964 (2025) |
| Deeds & Mortgages | Nov 2019 Line of Credit Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 006-07004-00 |
| Primary APN | 006-07004-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,194 sqft Living Area |
| 1st Floor Area | 2,388 sqft |
| Basement Area | 480 sqft |
| Unfinished Basement | 480 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Row Home |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 15,507 sqft (0.356 acres) |
| Lot Dimensions | 160 ft deep x 21 ft wide |
| Garage Type | Attached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 006-07004-00 |
|---|---|
| Street Address | 911 E ELM ST |
| City | LADOGA |
| State | IN |
| Zip | 47954-9360 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Row House |
| Legal Description | LOT 10 & PT LOTS 9 & 11 MARY M HARSHBARGER 1ST ADD |
| Legal Subdivision | MARY M HARSHBARGER 1ST ADD |
| Legal Lot Number | 10,9,11 |
| Jurisdiction | MONTGOMERY IN |
| Township / Civil Division | CLARK |
| Census Block Group | 3 |
| Census Block | 3041 |
| Census Tract | 957500 |
911 E Elm St, a row house, is owned and occupied by an individual who bought it in November 2022.
Source: Montgomery County records, as of June 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 911 E ELM ST, LADOGA, IN 47954-9360 |
| 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, 2019 | Deed of Trust, Mortgage · Line of Credit HOOSIER HEARTLAND STATE BANK |
| Nov 1, 2022 | Warranty Deed, Transfer · FHA Mortgage UNIVERSITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 2022 · Amount on File |
| Deed Sale | Nov 1, 2022 · Amount on File |
| Deed Document Number | 20226029 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Property Address | 911 E ELM ST, LADOGA, IN 47954-9360 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0201906039 |
|---|---|
| Date | Nov 6, 2019 |
| Instrument | 201906039 |
| Name | HOOSIER HEARTLAND STATE BANK |
|---|---|
| Type | Bank |
| Address | LADOGA, IN 47954 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Oct 30, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY IN |
| Recording Date | Nov 1, 2022 |
| Property Address | 911 E ELM ST, LADOGA, IN 47954-9360 |
| Document Number | 0202206029 |
| Instrument Date | Oct 24, 2022 |
| Instrument | 202206029 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Title Company | PARTNERS TITLE GROUP INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 911 E ELM ST, LADOGA, IN 47954-9360 |
| Document Number | 0202206030 |
|---|---|
| Date | Nov 1, 2022 |
| Instrument | 202206030 |
| Name | UNIVERSITY BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2052 |
The 2025 property tax bill for 911 E Elm St was $1,964, up 2.5% 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 | $1,964.00 (+2.45%) | $173,200 (+4.4%) Land $23,500 Building $149,700 | $173,200 (+4.4%) Land $23,500 Building $149,700 |
| 2024 | $1,917.00 (-2.94%) | $165,900 (-1.66%) Land $23,500 Building $142,400 | $165,900 (-1.66%) Land $23,500 Building $142,400 |
| 2023 | $1,975.00 (+6.93%) | $168,700 Land $19,400 Building $149,300 | $168,700 Land $19,400 Building $149,300 |
| 2022 | $1,847.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 911 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 911 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 | 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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