10173 Juniper Ln, Middlebury, IN 46540 Property Records

Elkhart County property record for 10173 Juniper Ln, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,680 sqft · built 1992
Lot Size	0.456 acres (19,863 sqft)
Owner	2 Individual Names on Record
Last Sale	$602,490 (Jun 2018)
Tax Bill	$4,607 (2024)
Deeds & Mortgages	Sep 2026 Line of Credit Jul 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-04-25-278-001.000-032`

Property Details

APN / Parcel Number

Primary APN	`20-04-25-278-001.000-032`
Alternative APN	`0425278001032`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	18 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	1 Story
Building Area	4,680 sqft Living Area
Gross Area	5,762 sqft
1st Floor Area	2,463 sqft
Basement Area	2,463 sqft
Finished Basement	2,217 sqft
Unfinished Basement	246 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,863 sqft (0.456 acres)
Lot Dimensions	179 ft deep x 111 ft wide
Garage Type	Attached
Garage Area	836 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Frame Porch
Porch Area	246 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	10173 JUNIPER LN
City	MIDDLEBURY
State	IN
Zip	46540-9451
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST LAKES II LOT 78
Legal Subdivision	FOREST LAKES II
Legal Block	278
Legal Lot Number	78
Jurisdiction	ELKHART IN
Township / Civil Division	YORK
Census Block Group	1
Census Block	1011
Census Tract	801

Owner

Source: Elkhart County records, as of October 9, 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	10173 JUNIPER LN, MIDDLEBURY, IN 46540-9451
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed of Trust, Mortgage · Line of Credit 1ST SOURCE BANK
Jul 27, 2022	Deed of Trust, Mortgage · Line of Credit 1ST SOURCE BANK
Aug 10, 2018	Deed of Trust, Mortgage · Commercial Mortgage 1ST SOURCE BANK
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage 1ST SOURCE BANK
Jun 19, 2018	Warranty Deed, Transfer · Conventional Mortgage 1ST SOURCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2018 · Amount on Record
Deed Sale	Jun 19, 2018 · Amount on Record
Deed Document Number	201812141
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Recording Date	Sep 22, 2026
Property Address	10173 JUNIPER LN, MIDDLEBURY, IN 46540-9451
Document Number	0000017884
Instrument Date	Sep 17, 2026
Instrument	202617884
Transaction Type	Mortgage
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10173 JUNIPER LN, MIDDLEBURY, IN 46540-9451

Mortgage

Document Number	0000017884,
Date	Sep 22, 2026
Instrument	202617884

Lender

Name	1ST SOURCE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	145 Months
Due	Oct 1, 2038

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	10173 JUNIPER LN, MIDDLEBURY, IN 46540-9451
Transaction Type	Mortgage
Record Updated	Aug 8, 2022
Title Company	MERIDIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006115
Date	Jul 27, 2022
Instrument	2022-16115

Lender

Name	1ST SOURCE BANK
Type	Bank
Address	SOUTH BEND, IN 46601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	145 Months
Due	Aug 1, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	10173 JUNIPER LN, MIDDLEBURY, IN 46540-9451
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016327
Date	Aug 10, 2018
Instrument	2018-16327

Lender

Name	1ST SOURCE BANK
Type	Bank
Address	SOUTH BEND, IN 46634

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	145 Months
Due	Sep 1, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	10173 JUNIPER LN, MIDDLEBURY, IN 46540-9451
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009462
Date	May 7, 2020
Instrument	2020-09462

Lender

Name	1ST SOURCE BANK
Type	Bank
Address	SOUTH BEND, IN 46601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Jun 19, 2018
Property Address	10173 JUNIPER LN, MIDDLEBURY, IN 46540-9451
Document Number	0000002141
Map Reference	MB17 PG77
Instrument Date	Jun 15, 2018
Instrument	2018-12141
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	ELKO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10173 JUNIPER LN, MIDDLEBURY, IN 46540-9451

Mortgage

Document Number	0000002142
Date	Jun 19, 2018
Instrument	2018-12142

Lender

Name	1ST SOURCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	York Township
Unified School District	Middlebury Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$617,700 (+24.16%) Land $110,500 Building $507,200	$617,700 (+24.16%) Land $110,500 Building $507,200
2024	$4,607.00 (+1.59%)	$497,500 (+3.04%) Land $110,500 Building $387,000	$497,500 (+3.04%) Land $110,500 Building $387,000
2023		$482,800 (+6.16%) Land $110,500 Building $372,300	$482,800 (+6.16%) Land $110,500 Building $372,300
2022	$4,535.00 Homeowner's exemption	$454,800 Land $110,500 Building $344,300	$454,800 Land $110,500 Building $344,300

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 August 22, 2024 · 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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	4 (1993–2018)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Feb 2018 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Feb 2018 · 3 claims

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 80% of the US · above 73% of Indiana
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surf Internet Fiber	1,000 / 1,000

May also be available: Verizon.

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