1120 E 3rd St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 1120 E 3rd St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,344 sqft · built 1925
Lot Size	0.133 acres (5,808 sqft)
Owner	Individual Name on Record
Tax Bill	$94 (2024)
Deeds & Mortgages	Jul 2006 Mortgage Mar 2012 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-276-015.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-276-015.000-023`
Alternative APN	`01610331362`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
Basement Area	672 sqft

Exterior

Year Built	Built 1925
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	5,808 sqft (0.133 acres)
Lot Dimensions	132 ft deep x 44 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610331362
Street Address	1120 E 3RD ST
City	MISHAWAKA
State	IN
Zip	46544-2735
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 C C WENGERS 1ST ADD
Legal Subdivision	C C WENGERS 1ST ADD
Legal Lot Number	20
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	3
Census Block	3016
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
Mailing Address	1120 E 3RD ST, MISHAWAKA, IN 46544-2735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2006	Deed of Trust, Mortgage · ARM MFB FINANCIAL
Mar 29, 2012	Deed of Trust, Mortgage · Reverse Mortgage METLIFE HOME LOANS
Sep 29, 2012	Deed of Trust, Mortgage · Reverse Mortgage METLIFE BANK NA
Dec 16, 2010	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 16, 2010
Transfer Doc	1035276
Record Updated	Sep 20, 2026

July 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	1120 E 3RD ST, MISHAWAKA, IN 46544-2735
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	MERIDAN TITLE, MERIDAN TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000630715
Date	Jul 20, 2006
Instrument	0630715

Lender

Name	MFB FINANCIAL
Address	MISHAWAKA, IN 46545

Agreement

Type	ARM
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2021

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Aug 1, 2009
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	6.87%

March 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	1120 E 3RD ST, MISHAWAKA, IN 46544-2735
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	MERIDIAN TITLE, MERIDIAN TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001208974
Date	Mar 29, 2012
Instrument	1208974

Lender

Name	METLIFE HOME LOANS
Type	Mortgage Company
Address	CONVENT STATION, NJ 07961

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	976 Months
Due	Jul 17, 2093

Interest

Rate Type	Fixed Rate

September 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	1120 E 3RD ST, MISHAWAKA, IN 46544-2735
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001208974
Date	Sep 29, 2012
Instrument	1208974

Lender

Name	METLIFE BANK NA
Type	Bank

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2010: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH IN
Recording Date	Dec 16, 2010
Property Address	1120 E 3RD ST, MISHAWAKA, IN 46544-2735
Document Number	0001035276
Instrument Date	Sep 16, 2010
Instrument	1035276
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 E 3RD ST, MISHAWAKA, IN 46544-2735

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		$124,900 (-5.45%) Land $23,400 Building $101,500	$124,900 (-5.45%) Land $23,400 Building $101,500
2024	$94.00 (+1.08%)
2023	$93.00 (+2.2%)	$132,100 (-0.23%) Land $23,400 Building $108,700	$132,100 (-0.23%) Land $23,400 Building $108,700
2022	$91.00	$132,400 Land $23,400 Building $109,000	$132,400 Land $23,400 Building $109,000

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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