St. Joseph County property record for 1028 E 3rd St, Mishawaka, IN 46544
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,330 sqft · built 1920 |
| Lot Size | 0.121 acres (5,280 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,186 (2025) |
| Deeds & Mortgages | Sep 2007 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 71-09-15-252-040.000-023 |
| Primary APN | 71-09-15-252-040.000-023 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,330 sqft Living Area |
| Gross Area | 2,058 sqft |
| 1st Floor Area | 2,040 sqft |
| Basement Area | 728 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 5,280 sqft (0.121 acres) |
| Lot Dimensions | 132 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1028 E 3RD ST |
|---|---|
| City | MISHAWAKA |
| State | IN |
| Zip | 46544-2737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 40X 132W & ADJ LOT 13 C C WENGERS 1ST ADD |
| Legal Subdivision | WENGERS 1ST ADD |
| Legal Lot Number | 13 |
| Jurisdiction | ST JOSEPH IN |
| Township / Civil Division | PENN |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 10300 |
1028 E 3rd St is owned and occupied by an individual.
Source: St. Joseph County records, as of October 15, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1028 E 3RD ST, MISHAWAKA, IN 46544-2737 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH IN |
| Property Address | 1028 E 3RD ST, MISHAWAKA, IN 46544-2737 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2026 |
| Title Company | MERIDIAN TITLE, MERIDIAN TITLE CORP |
| Name | Verified Name |
|---|
| Document Number | 0000735322 |
|---|---|
| Date | Sep 4, 2007 |
| Instrument | 0735322 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | NEWARK, NJ 07101 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2037 |
The 2025 property tax bill for 1028 E 3rd St was $1,186 with a homeowner's exemption, down 22% from the year before.
Source: St. Joseph County assessment roll, as of March 11, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | St. Joseph County |
| County Subdivision | Penn Township |
| Municipality | Mishawaka City |
| Unified School District | Mishawaka School City (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,186.00 (-21.97%) | $116,700 Land $21,300 Building $95,400 | $116,700 Land $21,300 Building $95,400 |
| 2024 | $1,520.00 (+9.2%) | ||
| 2023 | $1,392.00 (-34.74%) | $123,500 (-0.72%) Land $21,300 Building $102,200 | $123,500 (-0.72%) Land $21,300 Building $102,200 |
| 2022 | $2,133.00 Homeowner's exemption | $124,400 Land $21,300 Building $103,100 | $124,400 Land $21,300 Building $103,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1028 E 3rd St in Zone X, an area of minimal flood risk.
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.
The area around 1028 E 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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