$245,000
SOLD SEP 17, 2021

392 Cottage St Delphi, IN 46923

2 Beds
2 Baths
1,392 Sq Ft
0.3 Acres

Recently Sold

$176 Per Sq Ft

3% Above List Price

23 Days on Market

Highlights

  • 80 Feet of Waterfront
  • Primary Bedroom Suite
  • Cathedral Ceiling
  • Private Beach
  • Open Floorplan
  • Partially Wooded Lot

About This Home

As of April 2022

ENJOY THE WATER FRONT VIEWS ON DEER CREEK CANAL- ADORABLE 2-STORY COTTAGE W SPACIOUS 2-BEDROOM ENSUITES. HOME WAS RAISED IN 2011- REBUILT QUALITY CRAFTMANSHIP- NEW WINDOWS, DOORS, ENTIRE INTERIOR FINISH. BEAUTIFUL WHITE KITCHEN CABINETS W APPLIANCES, ABUNDANCE OF COUNTER TOPS, BREAKFAST BAR, OPEN TO FR W DECK TO RELAX & ENJOY THE WATER VIEW. DR W 2-STORY CEILINGS. EVERY RM FEATURES WATER FRONT VIEWS, SLIP RESISTANCE IN BATH FLOOR. UPSTAIRS MULTI PURPOSE OFFICE/DEN/LOFT. EFFICIENT FEATURES: RADIANT FLOOR HEAT, GAS FP, WALL AC UNIT, HANDICAPPED ACCESSIBILITY RAMP, NEW METAL ROOF, PAVER SIDEWALKS. CANAL ALLOWS KAYAKS/CANOE. SPACIOUS YARD W SHED. “IN FLOOD PLAIN”. QUICK WALK TO DOWN TOWN-RESTAURANTS AND SHOPPING.

Last Agent to Sell the Property

Tamara Foley

F.C. Tucker/Shook Listed on: 07/20/2021

F.C. Tucker/Shook

Last Buyer's Agent

Tamara Foley

F.C. Tucker/Shook Listed on: 07/20/2021

F.C. Tucker/Shook

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $715

Year Built

  • Built in 2011

Lot Details

  • 0.3 Acre Lot
  • 80 Feet of Waterfront
  • Private Beach
  • Creek or Stream
  • Backs to Open Ground
  • Landscaped
  • Corner Lot
  • Sloped Lot
  • Partially Wooded Lot

Parking

  • Driveway

Home Design

  • Traditional Architecture
  • Slab Foundation
  • Metal Roof
  • Masonry Siding
  • Block Exterior
  • Masonry
  • Vinyl Construction Material

Interior Spaces

  • 1,392 Sq Ft Home
  • 2-Story Property
  • Open Floorplan
  • Cathedral Ceiling
  • Ceiling Fan
  • Gas Log Fireplace
  • Triple Pane Windows
  • Double Pane Windows
  • ENERGY STAR Qualified Windows
  • Insulated Windows
  • ENERGY STAR Qualified Doors
  • Insulated Doors
  • Water Views
  • Block Basement Construction
  • Storage In Attic
  • Electric Dryer Hookup

Kitchen

  • Breakfast Bar
  • Laminate Countertops
  • Disposal

Flooring

  • Carpet
  • Radiant Floor
  • Laminate
  • Concrete
  • Vinyl

Bedrooms and Bathrooms

  • 2 Bedrooms
  • Primary Bedroom Suite
  • Double Vanity
  • Bathtub with Shower
  • Separate Shower

Home Security

  • Security System Leased
  • Storm Doors
  • Fire and Smoke Detector

Eco-Friendly Details

  • Energy-Efficient Appliances
  • Energy-Efficient Lighting
  • Energy-Efficient Insulation
  • ENERGY STAR/Reflective Roof
  • Energy-Efficient Thermostat

Outdoor Features

  • Sun Deck

Schools

  • Delphi Community Elementary And Middle School
  • Delphi High School

Utilities

  • Cooling System Mounted In Outer Wall Opening
  • Hot Water Heating System
  • Radiant Heating System
  • ENERGY STAR Qualified Water Heater
  • Cable TV Available
  • TV Antenna

Listing and Financial Details

  • Assessor Parcel Number 08-06-29-013-073.000-007

Home Details

Home Type

Single Family

Est. Annual Taxes

$715

Year Built

Built in 2011

Lot Details

0

Listing Details

  • Class: RESIDENTIAL
  • Property Sub Type: Site-Built Home
  • Waterfront: Yes
  • Year Built: 2011
  • Age: 10
  • Style: Two Story
  • Architectural Style: Traditional
  • Total Number of Rooms: 6
  • Bedrooms: 2
  • Number Above Grade Bedrooms: 2
  • Total Bathrooms: 2
  • Total Full Bathrooms: 2
  • Legal Description: 017-13073-00 Deer Creek Estates Pt Lot 14 .295 AC by survey
  • Parcel Number ID: 08-06-29-013-073.000-007
  • Platted: Yes
  • Amenities: 1st Bdrm En Suite, Alarm System-Security, Alarm System-Sec Rented, Antenna, Attic Storage, Breakfast Bar, Cable Ready, Ceiling-Cathedral, Ceiling Fan(s), Ceilings-Vaulted, Countertops-Laminate, Deck Open, Deck on Waterfront, Detector-Smoke, Disposal, Dryer Hook Up Electric, Landscaped, Open Floor Plan, Six Panel Doors, Storm Doors, Twin Sink Vanity, Stand Up Shower, Tub/Shower Combination, Main Level Bedroom Suite
  • Sp Lp Percent: 102.98
  • Year Taxes Payable: 2021
  • Special Features: None
  • Stories: 2

Interior Features

  • Total Sq Ft: 1392
  • Total Finished Sq Ft: 1392
  • Above Grade Finished Sq Ft: 1392
  • Price Per Sq Ft: 176.01
  • Basement Foundation: Slab
  • Basement Material: Block
  • Number Of Fireplaces: 1
  • Fireplace: Den, Gas Log, One
  • Fireplace: Yes
  • Flooring: Carpet, Concrete, Laminate, Vinyl
  • Living Great Room: Dimensions: 12x10, On Level: Main
  • Kitchen: Dimensions: 13x11, On Level: Main
  • Dining Room: Dimensions: 13x12, On Level: Main
  • Den: Dimensions: 16x12, On Level: Upper
  • Bedroom 1: Dimensions: 12x11, On Level: Main
  • Bedroom 2: Dimensions: 15x15, On Level: Upper
  • Number of Main Level Full Bathrooms: 1

Exterior Features

  • Exterior: Block, Vinyl, Masonry
  • Roof Material: Metal
  • Outbuilding1: None
  • Water Features: Private Beach
  • Water Frontage: 80
  • Water Name: Deer Creek

Garage/Parking

  • Driveway: Asphalt

Utilities

  • Cooling: Wall AC
  • Heating Fuel: Floor, Hot Water, Radiant
  • Sewer: City
  • Water Utilities: City
  • Electric Company: Duke Energy Indiana
  • Gas Company: NIPSCO
  • Hvac: Ceiling Fan
  • Water Type: Creek

Schools

  • School District: Delphi Community School Corp.
  • Elementary School: Delphi Community
  • Middle School: Delphi Community
  • High School: Delphi
  • Elementary School: Delphi Community

Lot Info

  • Lot Description: Corner, Partially Wooded, Slope, Waterfront, Flood Plain, Water View, Waterfront-Level Bank
  • Lot Dimensions: Irregular
  • Estimated Lot Sq Ft: 12850
  • Estimated Lot Size Acres: 0.295

Green Features

  • Energy Efficient: Appliances, Electrical/Lighting, Insulation, Roofing, Thermostat/Controllers, Water Heater, Windows
  • Energy Efficient Windows/Doors: Double Pane Windows, Energy Star Doors, Energy Star Windows, Insulated Doors, Insulated Glass Windows, Multi Pane Windows, Storm Doors

Tax Info

  • Annual Taxes: 715
  • Exemptions: Homestead

Multi Family

  • Water Access: Frontage Lot

MLS Schools

  • High School: Delphi
  • Middle School: Delphi Community
  • School District: Delphi Community School Corp.

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Jan 6, 2022
Closed on
Apr 5, 2022
Sold by
Deihl Henry
Bought by
Borgstedt Diana L
Seller's Agent
Joan Abbott
Joan Abbott Real Estate
Buyer's Agent
Kyle Charters
Indiana Integrity REALTORS
List Price
$259,900
Sold Price
$242,500
Premium/Discount to List
-$17,400
-6.69%
Current Estimated Value
$264,010

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$21,510
Avg. Annual Appreciation
2.49%

Purchase Details

Listed on
Jul 20, 2021
Closed on
Sep 7, 2021
Sold by
Dionne Zook Deborah A
Bought by
Deihl Henry
Seller's Agent
Tamara Foley
F.C. Tucker/Shook
Buyer's Agent
Tamara Foley
F.C. Tucker/Shook
List Price
$237,900
Sold Price
$245,000
Premium/Discount to List
$7,100
2.98%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-1.78%
Original Mortgage
$122,500
Interest Rate
2.7%
Mortgage Type
New Conventional

Purchase Details

Closed on
Apr 16, 2021
Sold by
Zook Matthew W and Dionne Zook Deborah
Bought by
Dionne Zook Deborah A

Purchase Details

Closed on
Aug 5, 2009
Sold by
Klinkhamer Harold D and Klinkhamer Karen Sue
Bought by
Zook Matthew W and Zook Deborah A Dionne
Source: Public Records

Range of Values:

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Average Value
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed -- Spigle John E
Warranty Deed -- First American Mortgage Sln
Interfamily Deed Transfer -- None Available
Warranty Deed $30,000 Carroll County Abstract & Ti
Warranty Deed -- None Available
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $122,500 New Conventional
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
04/12/2022 04/12/22 Sold $242,500 -6.7% $174 / Sq Ft
03/10/2022 03/10/22 Pending -- -- --
01/06/2022 01/06/22 For Sale $259,900 +6.1% $187 / Sq Ft
09/17/2021 09/17/21 Sold $245,000 +3.0% $176 / Sq Ft
08/12/2021 08/12/21 Pending -- -- --
07/20/2021 07/20/21 For Sale $237,900 -- $171 / Sq Ft
Source: Indiana Regional MLS

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $1,529 $175,300 $16,500 $158,800
2023 $0 $150,800 $16,500 $134,300
2022 $459 $79,500 $15,000 $64,500
2021 $459 $71,800 $14,500 $57,300
2020 $1,430 $71,500 $14,500 $57,000
2019 $1,336 $66,800 $14,500 $52,300
2018 $1,294 $64,700 $14,500 $50,200
2017 $1,368 $68,400 $14,800 $53,600
2016 $1,336 $66,800 $14,800 $52,000
2014 $1,346 $67,300 $14,800 $52,500
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Indiana Regional MLS

MLS Number: 202129071

Indiana Regional MLS

APN: 08-06-29-013-073.000-007