1125 E Smith St, Warsaw, IN 46580 Property Records

Kosciusko County property record for 1125 E Smith St, Warsaw, IN 46580

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 891 sqft · built 1953
Lot Size	0.182 acres (7,920 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Sep 2017)
Tax Bill	$756 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-713028-90`

Property Details

APN / Parcel Number

Primary APN	`004-713028-90`
Alternative APNs	`43-11-09-300-087.000-032` `00000008956` `0471302890`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	891 sqft Living Area
1st Floor Area	891 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1975
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	7,920 sqft (0.182 acres)
Lot Dimensions	132 ft deep x 60 ft wide
Garage Type	Carport
Garage Area	351 sqft
Carport	Carport
Carport Area	351 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00000008956
Street Address	1125 E SMITH ST
City	WARSAW
State	IN
Zip	46580-4613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	4-47-259 LOT 5 HELPMANS ADD
Legal Range	6
Legal Township	32
Legal Section	9
Legal Subdivision	HELPMANS ADD
Legal Lot Number	5
Jurisdiction	KOSCIUSKO IN
Township / Civil Division	WAYNE
Census Block Group	1
Census Block	1012
Census Tract	962300

Owner

Source: Kosciusko County records, as of June 23, 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	1125 E SMITH ST, WARSAW, IN 46580-4613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2023	Deed of Trust, Mortgage · Line of Credit LAKE CITY BANK
Sep 8, 2017	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2017 · Amount on Record
Deed Sale	Sep 8, 2017 · Amount on Record
Prior Sale	Jul 3, 2013 · Amount on Record
Deed Document Number	201790230
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	1125 E SMITH ST, WARSAW, IN 46580-4613
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1125 E SMITH ST, WARSAW, IN 46580-4613

Mortgage

Document Number	2023080967
Date	Aug 24, 2023
Instrument	2023080967

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46581

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	Sep 8, 2017
Property Address	1125 E SMITH ST, WARSAW, IN 46580-4613
Document Number	2017090230
Map Reference	CAB 1 PG 43
Instrument Date	Aug 31, 2017
Instrument	2017090230
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1125 E SMITH ST, WARSAW, IN 46580-4613

Mortgage

Document Number	2017090231
Date	Sep 8, 2017
Instrument	2017090231

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

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	$756.00 (+0.93%) Homeowner's exemption	$105,000 (+14.63%) Land $25,800 Building $79,200	$105,000 (+14.63%) Land $25,800 Building $79,200
2024	$749.00 (+16.12%)
2023	$645.00 (+28.49%)	$91,600 (+12.67%) Land $19,400 Building $72,200	$91,600 (+12.67%) Land $19,400 Building $72,200
2022	$502.00	$81,300 Land $16,200 Building $65,100	$81,300 Land $16,200 Building $65,100

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 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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	6 (1981–2015)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jul 2015 · river or lake flooding

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 99.1% of the US · lower than 94% 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	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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