1040 E 4th St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 1040 E 4th St, Mishawaka, IN 46544

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,768 sqft · built 1924
Lot Size	0.15 acres (6,550 sqft)
Owner	Individual Name on Record
Tax Bill	$1,897 (2024)
Deeds & Mortgages	Apr 2018 Mortgage Mar 2011 Transfer
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-253-043.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-253-043.000-023`
Alternative APN	`01610321345`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,768 sqft Living Area
Basement Area	1,020 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1945
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	6,550 sqft (0.15 acres)
Lot Dimensions	131 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610321345
Street Address	1040 E 4TH ST
City	MISHAWAKA
State	IN
Zip	46544-2728
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LOT 41 C C WENGERS 1ST ADD
Legal Subdivision	C C WENGERS 1ST ADD
Legal Lot Number	41
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	3
Census Block	3026
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	1040 E 4TH ST, MISHAWAKA, IN 46544-2728
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC
Mar 22, 2011	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 22, 2011
Transfer Doc	1108059
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	1040 E 4TH ST, MISHAWAKA, IN 46544-2728
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001807583
Date	Apr 5, 2018
Instrument	1807583

Lender

Name	DITECH FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2033

Interest

Rate Type	Fixed Rate

March 2011: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH IN
Recording Date	Mar 22, 2011
Property Address	1040 E 4TH ST, MISHAWAKA, IN 46544-2728
Document Number	0001108059
Instrument Date	Mar 22, 2011
Instrument	1108059
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1040 E 4TH ST, MISHAWAKA, IN 46544-2728

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 E 4TH ST, MISHAWAKA, IN 46544-2728

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		$144,100 (-2.9%) Land $26,600 Building $117,500	$144,100 (-2.9%) Land $26,600 Building $117,500
2024	$1,897.00 (+12.05%)
2023	$1,693.00 (+0.47%)	$148,400 (+1.16%) Land $26,600 Building $121,800	$148,400 (+1.16%) Land $26,600 Building $121,800
2022	$1,685.00 Homeowner's exemption	$146,700 Land $26,600 Building $120,100	$146,700 Land $26,600 Building $120,100

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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