1004 E 3rd St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 1004 E 3rd St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,450 sqft · built 1924
Lot Size	0.166 acres (7,260 sqft)
Owner	Individual Name on Record
Tax Bill	$3,966 (2024)
Deeds & Mortgages	Dec 2021 Mortgage Mar 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-252-035.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-252-035.000-023`
Alternative APN	`01610321306`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,450 sqft Living Area
Basement Area	1,152 sqft

Exterior

Year Built	Built 1924
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	7,260 sqft (0.166 acres)
Lot Dimensions	132 ft deep x 55 ft wide
Shed	1 Shed
Shed Area	120 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610321306
Street Address	1004 E 3RD ST
City	MISHAWAKA
State	IN
Zip	46544-2737
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 COMMISSIONERS SUB OF FARM LOT 23
Legal Subdivision	COMMISSIONERS SUB
Legal Lot Number	4,23
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	3
Census Block	3018
Census Tract	10300

Owner

Source: St. Joseph County records, as of March 6, 2026

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4216 VISTULA RD, MISHAWAKA, IN 46544-4059
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Mar 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOAN DEPOT INC
Mar 14, 2008	Deed of Trust, Mortgage · Conventional Mortgage COUNTRYWIDE BANK FSB
Jul 1, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 1, 2022
Transfer Doc	0002219383
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	1004 E 3RD ST, MISHAWAKA, IN 46544-2737
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002145615
Date	Dec 23, 2021
Instrument	2145615

Lender

Name	LOWER LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	1004 E 3RD ST, MISHAWAKA, IN 46544-2737
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002606939
Date	Mar 23, 2026
Instrument	2606939

Lender

Name	LOAN DEPOT INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2046

March 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	1004 E 3RD ST, MISHAWAKA, IN 46544-2737
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000808778
Date	Mar 14, 2008
Instrument	0808778

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank
Address	ALEXANDRIA, VA 22314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2038

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH IN
Recording Date	Jul 1, 2022
Property Address	1004 E 3RD ST, MISHAWAKA, IN 46544-2737
Document Number	0002219383
Map Reference	MB 1 PG 403
Instrument Date	Jun 21, 2022
Instrument	2219383
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	CENTURION LAND TITLE INC, CENTURION LAND TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4216 VISTULA RD, MISHAWAKA, IN 46544-4059

Mortgage

Document Number	0002219384
Date	Jul 1, 2022
Instrument	2219384

Lender

Name	RUOFF MORTGAGE CO INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	St. Joseph County
County Subdivision	Penn Township
Municipality	Mishawaka City
Unified School District	Mishawaka School City (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$209,000 (-6.36%) Land $29,300 Building $179,700	$209,000 (-6.36%) Land $29,300 Building $179,700
2024	$3,966.00 (+12.54%)
2023	$3,524.00 (+33.28%)	$223,200 (+0.72%) Land $29,200 Building $194,000	$223,200 (+0.72%) Land $29,200 Building $194,000
2022	$2,644.00	$221,600 Land $29,200 Building $192,400	$221,600 Land $29,200 Building $192,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 15, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	MISHAWAKA UTILITIES serves 49,675 people · EPA ID IN5271009
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	7 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 505 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Fourway.

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