1120 E Clark St, Warsaw, IN 46580 Property Records

Kosciusko County property record for 1120 E Clark St, Warsaw, IN 46580

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 609 sqft · built 1947
Lot Size	0.182 acres (7,920 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Apr 2021)
Tax Bill	$969 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-701005-40`

Property Details

APN / Parcel Number

Primary APN	`004-701005-40`
Alternative APNs	`43-11-09-300-448.000-032` `00000005396` `0470100540`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	609 sqft Living Area
1st Floor Area	609 sqft
Basement Area	609 sqft
Finished Basement	609 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Material	Asphalt
Lot Area	7,920 sqft (0.182 acres)
Lot Dimensions	132 ft deep x 60 ft wide
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00000005396
Street Address	1120 E CLARK ST
City	WARSAW
State	IN
Zip	46580-3431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	4-47-28 LOT 32 JENNING & BOYDSTONS ADD
Legal Range	6
Legal Township	32
Legal Section	9
Legal Subdivision	JENNING & BOYDSTONS ADD
Legal Lot Number	32
Jurisdiction	KOSCIUSKO IN
Township / Civil Division	WAYNE
Census Block Group	1
Census Block	1007
Census Tract	962000

Owner

1120 E Clark St is owned and occupied by an individual who bought it in April 2021.

Source: Kosciusko County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1120 E CLARK ST, WARSAW, IN 46580-3431
Occupancy	Owner Occupied
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
Dec 22, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Apr 5, 2021	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Sep 13, 2017	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2021 · Amount on File
Deed Sale	Apr 5, 2021 · Amount on File
Prior Sale	Sep 13, 2017 · Amount on File
Deed Document Number	202140259
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	1120 E CLARK ST, WARSAW, IN 46580-3431
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025120788
Date	Dec 22, 2025
Instrument	2025120788

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Jan 7, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	Apr 5, 2021
Property Address	1120 E CLARK ST, WARSAW, IN 46580-3431
Document Number	2021040259
Instrument Date	Mar 31, 2021
Instrument	2021040259
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 E CLARK ST, WARSAW, IN 46580-3431

Mortgage

Document Number	2021040260
Date	Apr 5, 2021
Instrument	2021040260

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	Sep 13, 2017
Property Address	1120 E CLARK ST, WARSAW, IN 46580-3431
Document Number	2017090382
Instrument Date	Sep 7, 2017
Instrument	2017090382
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 E CLARK ST, WARSAW, IN 46580-3431

Mortgage

Document Number	2017090383
Date	Sep 13, 2017
Instrument	2017090383

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1120 E Clark St was $969 with a homeowner's exemption, down 7.4% from the year before.

Source: Kosciusko County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Kosciusko County
County Subdivision	Wayne Township
Municipality	Warsaw City
Unified School District	Warsaw Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$969.00 (-7.36%) Homeowner's exemption	$121,000 Land $25,800 Building $95,200	$121,000 Land $25,800 Building $95,200
2024	$1,046.00 (+13.2%)
2023	$924.00 (+17.26%)	$109,400 (+11.07%) Land $19,400 Building $90,000	$109,400 (+11.07%) Land $19,400 Building $90,000
2022	$788.00	$98,500 Land $16,200 Building $82,300	$98,500 Land $16,200 Building $82,300

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

Flood

FEMA maps place 1120 E Clark St in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective September 29, 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 Claims	22 (1982–2018)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Feb 2018 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Feb 2018 · 9 claims Severe Storms, Tornadoes, And Flooding, Mar 2009 · 8 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

The area around 1120 E Clark St has no burnable land within ember reach, so its wildfire risk is not rated.

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	INDIANA AMERICAN WATER - WARSAW private · serves 13,835 people · EPA ID IN5243030
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	2 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	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 454 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Surf Internet.

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