105 E Spring St, Middlebury, IN 46540 Property Records

Elkhart County property record for 105 E Spring St, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,237 sqft · built 1912
Lot Size	0.185 acres (8,059 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,136 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-08-10-452-052.000-035`

Property Details

APN / Parcel Number

Primary APN	`20-08-10-452-052.000-035`
Alternative APN	`0810452052035`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,237 sqft Living Area
1st Floor Area	1,242 sqft
2nd Floor Area	972 sqft
Basement Area	1,242 sqft
Flooring	Subfloor

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1935
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Asphalt
Lot Area	8,059 sqft (0.185 acres)

Exterior Amenities

Porch	Porch
Porch Area	243 sqft
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0810452052035
Old Parcel Number	0810452052035
Street Address	105 E SPRING ST
City	MIDDLEBURY
State	IN
Zip	46540-8455
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	SOUTH 60FT LOT 5 & EAST 18FT LOT 6 BLK 53 OP & 21FT ADJ S
Legal Subdivision	SOUTH 60FT
Legal Block	53
Legal Lot Number	5,6
Jurisdiction	ELKHART IN
Township / Civil Division	MIDDLEBURY
Census Block Group	2
Census Block	2009
Census Tract	801

Owner

Source: Elkhart County records, as of March 5, 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	PO BOX 383, MIDDLEBURY, IN 46540-0383
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF MIDDLEBURY
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF MIDDLEBURY

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	105 E SPRING ST, MIDDLEBURY, IN 46540-8455
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006961
Date	Mar 18, 2021
Instrument	2021-06961

Lender

Name	FIRST STATE BANK OF MIDDLEBURY
Type	Bank
Address	MIDDLEBURY, IN 46540

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2031

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	105 E SPRING ST, MIDDLEBURY, IN 46540-8455
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006558
Date	Mar 15, 2021
Instrument	2021-06558

Lender

Name	FIRST STATE BANK OF MIDDLEBURY
Type	Bank
Address	MIDDLEBURY, IN 46540

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2031

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$225,300 (+5.48%) Land $11,200 Building $214,100	$225,300 (+5.48%) Land $11,200 Building $214,100
2024	$2,136.00 (+14.9%)	$213,600 (+4.4%) Land $11,200 Building $202,400	$213,600 (+4.4%) Land $11,200 Building $202,400
2023		$204,600 (+12.42%) Land $11,200 Building $193,400	$204,600 (+12.42%) Land $11,200 Building $193,400
2022	$1,859.00 Homeowner's exemption	$182,000 Land $11,200 Building $170,800	$182,000 Land $11,200 Building $170,800

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
Nearby Flood Policies	1 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

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	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	MIDDLEBURY WATER DEPARTMENT serves 3,420 people · EPA ID IN5220014
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 276 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, New Paris Telephone Company.

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