Elkhart County property record for 1011 Spring Arbor Dr, Middlebury, IN 46540
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,008 sqft · built 1989 |
| Lot Size | 0.378 acres (16,466 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $274,312 (Dec 2025) |
| Tax Bill | $2,208 (2024) |
| Deeds & Mortgages | Feb 2021 Line of Credit Sep 2021 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-08-16-103-001.000-035 |
| Primary APN | 20-08-16-103-001.000-035 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| Gross Area | 2,496 sqft |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 1,008 sqft |
| Game Room | Game Room |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 16,466 sqft (0.378 acres) |
| Lot Dimensions | 151 ft deep x 109 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 126 sqft |
| Deck Area | Deck Area |
| Patio Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 70 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 1011 SPRING ARBOR DR |
|---|---|
| City | MIDDLEBURY |
| State | IN |
| Zip | 46540-9200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZO01 |
| Legal Description | SPRING VALLEY A PUD LOT 11 |
| Legal Subdivision | SPRING VALLEY A PUD |
| Legal Block | 103 |
| Legal Lot Number | 11 |
| Jurisdiction | ELKHART IN |
| Township / Civil Division | MIDDLEBURY |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 804 |
Source: Elkhart County records, as of December 29, 2025
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 |
|---|---|
| Mailing Address | 59395 STATE ROAD 13, MIDDLEBURY, IN 46540-9774 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 4, 2021 | Deed of Trust, Mortgage · Line of Credit CAMPBELL & FETTER BANK |
| Sep 2, 2021 | Deed of Trust, Mortgage · Line of Credit CAMPBELL & FETTER BANK |
| Oct 7, 2024 | Deed of Trust, Mortgage · Line of Credit CAMPBELL & FETTER BANK |
| Dec 8, 2025 | Warranty Deed, Transfer · Line of Credit FARMERS STATE BANK |
| Sep 8, 2025 | Warranty Deed, Transfer · Line of Credit THE BIPPUS STATE BANK |
| Jul 5, 2019 | Deed of Trust, Mortgage · Closed-End Mortgage CAMPBELL & FETTER BANK |
| May 14, 2020 | Intrafamily Transfer, Transfer · Closed-End Mortgage CAMPBELL & FETTER BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 8, 2025 · Amount on Record |
| Deed Sale | Dec 8, 2025 · Amount on Record |
| Prior Sale | Sep 8, 2025 · Amount on Record |
| Deed Document Number | 202521672 |
| Prior Transfer Date | Oct 5, 2015 |
| Prior Transfer Doc | 0000002432 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKHART IN |
| Property Address | 1011 SPRING ARBOR DR, MIDDLEBURY, IN 46540-9200 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000003100 |
|---|---|
| Date | Feb 4, 2021 |
| Instrument | 2021-03100 |
| Name | CAMPBELL & FETTER BANK |
|---|---|
| Type | Bank |
| Address | PIGEON, MI 48755 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jan 30, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKHART IN |
| Property Address | 1011 SPRING ARBOR DR, MIDDLEBURY, IN 46540-9200 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1011 SPRING ARBOR DR, MIDDLEBURY, IN 46540-9200 |
| Document Number | 0000003659 |
|---|---|
| Date | Sep 2, 2021 |
| Instrument | 2021-23659 |
| Name | CAMPBELL & FETTER BANK |
|---|---|
| Type | Bank |
| Address | KENDALLVILLE, IN 46755 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKHART IN |
| Property Address | 1011 SPRING ARBOR DR, MIDDLEBURY, IN 46540-9200 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1011 SPRING ARBOR DR, MIDDLEBURY, IN 46540-9200 |
| Document Number | 0000006599 |
|---|---|
| Date | Oct 7, 2024 |
| Instrument | 2024-16599 |
| Name | CAMPBELL & FETTER BANK |
|---|---|
| Type | Bank |
| Address | KENDALLVILLE, IN 46755 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 1, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ELKHART IN |
| Recording Date | Dec 8, 2025 |
| Property Address | 1011 SPRING ARBOR DR, MIDDLEBURY, IN 46540-9200 |
| Document Number | 0000001672 |
| Map Reference | MB 17 PG 100 |
| Instrument Date | Dec 4, 2025 |
| Instrument | 2025-21672 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2026 |
| Title Company | METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 59395 STATE ROAD 13, MIDDLEBURY, IN 46540-9774 |
| Document Number | 0000001673 |
|---|---|
| Date | Dec 8, 2025 |
| Instrument | 2025-21673 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 4, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ELKHART IN |
| Recording Date | Sep 8, 2025 |
| Property Address | 1011 SPRING ARBOR DR, MIDDLEBURY, IN 46540-9200 |
| Document Number | 0000005487 |
| Map Reference | MB 17 PG 100 |
| Instrument Date | Sep 3, 2025 |
| Instrument | 2025-15487 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4310 ILLINOIS RD # 1510, 1510, FORT WAYNE, IN 46804-1212 |
| Investor | Possibly a Property Investor |
| Date | Sep 8, 2025 |
|---|
| Name | THE BIPPUS STATE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 4 Months |
| Due | Jan 23, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKHART IN |
| Property Address | 1011 SPRING ARBOR DR, MIDDLEBURY, IN 46540-9200 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003185 |
|---|---|
| Date | Jul 5, 2019 |
| Instrument | 2019-13185 |
| Name | CAMPBELL & FETTER BANK |
|---|---|
| Type | Bank |
| Address | KENDALLVILLE, IN 46755 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Jul 10, 2022 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ELKHART IN |
| Recording Date | May 14, 2020 |
| Property Address | 1011 SPRING ARBOR DR, MIDDLEBURY, IN 46540-9200 |
| Document Number | 0000009983 |
| Map Reference | MB 17 PG 100 |
| Instrument Date | May 9, 2020 |
| Instrument | 2020-09983 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Title Company | MERIDIAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000009984 |
|---|---|
| Date | May 14, 2020 |
| Instrument | 2020-09984 |
| Name | CAMPBELL & FETTER BANK |
|---|---|
| Type | Bank |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2035 |
Source: Elkhart County assessment roll, as of December 29, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Elkhart County |
| County Subdivision | Middlebury Township |
| Municipality | Middlebury Town |
| Unified School District | Middlebury Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $233,100 (+5.52%) Land $31,600 Building $201,500 | $233,100 (+5.52%) Land $31,600 Building $201,500 | |
| 2024 | $2,208.00 (+28.82%) | $220,900 (+18%) Land $31,600 Building $189,300 | $220,900 (+18%) Land $31,600 Building $189,300 |
| 2023 | $187,200 (+10.64%) Land $31,600 Building $155,600 | $187,200 (+10.64%) Land $31,600 Building $155,600 | |
| 2022 | $1,714.00 Homeowner's exemption | $169,200 Land $31,600 Building $137,600 | $169,200 Land $31,600 Building $137,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 22, 2024
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 73% of Indiana |
|---|---|
| Wildfire Likelihood | 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: FCC Broadband Data Collection, based on 141 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Internet Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| New Paris Telephone Company Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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