1128 E 3rd St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 1128 E 3rd St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,476 sqft · built 1921
Lot Size	0.136 acres (5,940 sqft)
Owner	Individual Name on Record
Tax Bill	$1,490 (2024)
Deeds & Mortgages	Sep 2019 Mortgage Jul 2016 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-276-017.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-276-017.000-023`
Alternative APN	`01610331364`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,476 sqft Living Area
Basement Area	672 sqft

Exterior

Year Built	Built 1921
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	5,940 sqft (0.136 acres)
Lot Dimensions	132 ft deep x 45 ft wide
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610331364
Street Address	1128 E 3RD ST
City	MISHAWAKA
State	IN
Zip	46544-2735
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22 C C WENGERS 1ST ADD
Legal Subdivision	C C WENGERS 1ST ADD
Legal Lot Number	22
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	1128 E 3RD ST, MISHAWAKA, IN 46544-2735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL BANK
Jul 28, 2016	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL BANK
Aug 10, 2011	Deed of Trust, Mortgage · Line of Credit MUTUAL BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2003
Deed Sale	Jan 7, 2003
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	1128 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	0001922198
Date	Sep 4, 2019
Instrument	1922198

Lender

Name	MUTUAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 5, 2029

Interest

Rate Type	Fixed Rate

July 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	1128 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	0001619640
Date	Jul 28, 2016
Instrument	1619640

Lender

Name	MUTUAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 1, 2021

Interest

Rate Type	Fixed Rate

August 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	1128 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	0001120390
Date	Aug 10, 2011
Instrument	1120390

Lender

Name	MUTUAL BANK FSB
Type	Bank
Address	MISHAWAKA, IN 46544

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 8, 2016

Interest

Rate Type	Fixed Rate
Change Frequency	Monthly

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		$109,500 (-6.09%) Land $23,900 Building $85,600	$109,500 (-6.09%) Land $23,900 Building $85,600
2024	$1,490.00 (+11.69%)
2023	$1,334.00 (+2.14%)	$116,600 (-) Land $23,900 Building $92,700	$116,600 (-) Land $23,900 Building $92,700
2022	$1,306.00 Homeowner's exemption	$116,600 Land $23,900 Building $92,700	$116,600 Land $23,900 Building $92,700

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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