1040 Talbot Ave, South Bend, IN 46617 Property Records

St. Joseph County property record for 1040 Talbot Ave, South Bend, IN 46617

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 825 sqft · built 1924
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Oct 2025)
Tax Bill	$2,928 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-06-176-013.000-026`

Property Details

APN / Parcel Number

Primary APN	`71-09-06-176-013.000-026`
Alternative APN	`01850953369`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	825 sqft Living Area
Gross Area	1,650 sqft
1st Floor Area	1,650 sqft
Basement Area	825 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1040 TALBOT AVE
City	SOUTH BEND
State	IN
Zip	46617-1628
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 39 TALBOTS PLAT
Legal Subdivision	TALBOTS PLAT
Legal Lot Number	39
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PORTAGE
Census Block Group	1
Census Block	1002
Census Tract	1000

Owner

1040 Talbot Ave is owned by an individual who bought it in October 2025.

Source: St. Joseph County records, as of October 15, 2026

Owner of Record	Individual Name on File
Mailing Address	14080 CAMDEN DR, ORLAND PARK, IL 60462-2381
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Deed of Trust, Mortgage · Line of Credit FIRST FSB
Oct 31, 2025	Warranty Deed, Subdivision Related Transfer METROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE OF INDIAN
Oct 1, 2014	Quit Claim Deed, Transfer Quitclaim
Sep 12, 2007	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2025 · Amount on File
Deed Sale	Oct 31, 2025 · Amount on File
Prior Sale	Sep 12, 2007
Deed Document Number	202527895
Prior Transfer Date	Sep 19, 2014
Prior Transfer Doc	0000024418
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	1040 TALBOT AVE, SOUTH BEND, IN 46617-1628
Transaction Type	Mortgage
Record Updated	Mar 9, 2026
Title Company	METROPOLITAN TITLE OF INDIAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002527896
Date	Oct 31, 2025
Instrument	2527896

Lender

Name	FIRST FSB
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 24, 2050

Interest

Rate Type	Adjustable Rate

October 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Oct 31, 2025
Property Address	1040 TALBOT AVE, SOUTH BEND, IN 46617-1628
Document Number	0002527895
Map Reference	PB 7 PG 26
Instrument Date	Oct 23, 2025
Instrument	2527895
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 23, 2026
Title Company	METROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE OF INDIAN

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14080 CAMDEN DR, ORLAND PARK, IL 60462-2381

October 2014: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Oct 1, 2014
Property Address	1040 TALBOT AVE, SOUTH BEND, IN 46617-1628
Document Number	0001424418
Instrument Date	Sep 19, 2014
Instrument	1424418
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1011 CARDINAL DR, ZION, IL 60099-5426

September 2007: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Sep 12, 2007
Property Address	1040 TALBOT AVE, SOUTH BEND, IN 46617-1628
Document Number	0000736467
Instrument Date	Jun 28, 2007
Instrument	0736467
Transaction Type	Foreclosure
Record Updated	Jan 23, 2026

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1040 Talbot Ave was $2,928, up 3% from the year before.

Source: St. Joseph County assessment roll, as of March 11, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	St. Joseph County
County Subdivision	Portage Township
Municipality	South Bend City
Unified School District	South Bend Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,928.00 (+2.99%)	$124,100 (+4.46%) Land $9,300 Building $114,800	$124,100 (+4.46%) Land $9,300 Building $114,800
2024	$2,843.00 (+10.02%)	$118,800 (+11.44%) Land $9,300 Building $109,500	$118,800 (+11.44%) Land $9,300 Building $109,500
2023	$2,584.00 (+18.75%)	$106,600 (+17.53%) Land $9,300 Building $97,300	$106,600 (+17.53%) Land $9,300 Building $97,300
2022	$2,176.00	$90,700 Land $9,300 Building $81,400	$90,700 Land $9,300 Building $81,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1040 Talbot Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 15, 2015 · 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
Nearby Flood Policies	2 in force

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

Wildfire risk around 1040 Talbot Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 73% of Indiana
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTH BEND WATER WORKS serves 115,000 people · EPA ID IN5271014
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 447 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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