10496 Co Rd 4, Middlebury, IN 46540 Property Records

Elkhart County property record for 10496 Co Rd 4, Middlebury, IN 46540

Property Summary

Property Type	Farm - Irrigated or Dry
Details	1 bd · 1.5 ba · 4,416 sqft · built 2022
Lot Size	82.4 acres (3,592,916 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,818 (2024)
Deeds & Mortgages	Nov 2025 Transfer May 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-04-24-176-004.000-032`

Property Details

APN / Parcel Number

Primary APN	`20-04-24-176-004.000-032`
Alternative APN	`0424176004032`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	4,416 sqft Gross Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Frame
Roof Material	Metal
Lot Area	3,592,916 sqft (82.4 acres)
Garage Type	Attached
Garage Area	2,880 sqft
Parking Spaces	9 Parking Spaces
Porch	Open Frame Porch

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	10496 COUNTY ROAD 4
City	MIDDLEBURY
State	IN
Zip	46540-9827
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Local Zoning Code	ZO01
Legal Description	PT E1/2 NW1/4 EX 3A & PT S1/2 E1/2 E1/2 W1/2 NW1/4 SEC 24 82.482A
Legal Block	176
Jurisdiction	ELKHART IN
Township / Civil Division	YORK
Census Block Group	1
Census Block	1009
Census Tract	801

Owner

10496 Co Rd 4, an agricultural property, is owned by two individuals who acquired it in November 2025.

Source: Elkhart County records, as of February 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10496 COUNTY ROAD 4, MIDDLEBURY, IN 46540-9827
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 20, 2025	Intrafamily Transfer, Transfer
May 4, 2020	Warranty Deed, Transfer · Line of Credit FARM CREDIT SVCS
Feb 21, 2020	Warranty Deed, Transfer NEAR NORTH TITLE GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2009
Deed Sale	Jul 21, 2009
Deed Document Number	200918390
Last Transfer Date	Nov 16, 2025
Transfer Doc	0000000598
Record Updated	Jun 8, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKHART IN
Recording Date	Nov 20, 2025
Property Address	10496 COUNTY ROAD 4, MIDDLEBURY, IN 46540-9827
Document Number	0000000598
Instrument Date	Nov 16, 2025
Instrument	2025-20598
Transaction Type	Transfer
Record Updated	Dec 3, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10496 COUNTY ROAD 4, MIDDLEBURY, IN 46540-9827

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	May 4, 2020
Property Address	10496 COUNTY ROAD 4, MIDDLEBURY, IN 46540-9827
Document Number	0000009036
Instrument Date	Apr 21, 2020
Instrument	9036
Transaction Type	Transfer
Record Updated	Jun 5, 2020
Title Company	METROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10510 COUNTY ROAD 4 MIDDLEBURY IN 465408979, MIDDLEBURY, IN 46540-8979

Mortgage

Document Number	9037
Date	May 4, 2020
Instrument	9037

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	LOUISVILLE, KY 40232

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 3, 2040

Interest

Rate Type	Adjustable Rate

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Feb 21, 2020
Property Address	10496 COUNTY ROAD 4, MIDDLEBURY, IN 46540-9827
Document Number	0000003985
Instrument Date	Jan 13, 2020
Instrument	3985
Transaction Type	Transfer
Record Updated	Mar 12, 2020
Title Company	NEAR NORTH TITLE GROUP

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10353 COUNTY ROAD 4 MIDDLEBURY IN 46540, MIDDLEBURY, IN 46540

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		$548,100 (+12.52%) Land $87,100 Building $461,000	$548,100 (+12.52%) Land $87,100 Building $461,000
2024	$5,818.00	$487,100 (+6.33%) Land $91,700 Building $395,400	$487,100 (+6.33%) Land $91,700 Building $395,400
2023		$458,100 (+970.33%) Land $80,900 Building $377,200	$458,100 (+970.33%) Land $80,900 Building $377,200
2022	$734.00	$42,800 Land $42,800	$42,800 Land $42,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10496 Co Rd 4 in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1993.

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 File 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

Wildfire risk around 10496 Co Rd 4 is low, with 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 80% of the US · above 73% of Indiana
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

May also be available: Mercury Fiber, Verizon.

Nearby Properties on Co Rd 4

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures