1138 E 3rd St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 1138 E 3rd St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,208 sqft · built 1923
Lot Size	0.136 acres (5,940 sqft)
Owner	Individual Name on Record
Last Sale	$192,000 (May 2024)
Tax Bill	$1,617 (2024)
Deeds & Mortgages	Sep 2006 Line of Credit Feb 2013 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-276-019.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-276-019.000-023`
Alternative APN	`01610331366`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,208 sqft Living Area
Gross Area	1,116 sqft
Attic	Attic
Attic Area	1,092 sqft
Basement Area	1,092 sqft

Exterior

Year Built	Built 1923
Exterior Material	Brick/Stone
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
Garage Type	Detached
Garage Area	276 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610331366
Street Address	1138 E 3RD ST
City	MISHAWAKA
State	IN
Zip	46544-2735
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24 C C WENGERS 1ST ADD
Legal Subdivision	C C WENGERS 1ST ADD
Legal Lot Number	24
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
Co-owner	Co-owner on Record
Mailing Address	1138 E 3RD ST, MISHAWAKA, IN 46544-2735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2006	Deed of Trust, Mortgage · Line of Credit SOUTH CENTRAL BANK NA
Feb 25, 2013	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Feb 10, 2005	Deed of Trust, Mortgage · FHA Mortgage CUSTOM MORTGAGE INC
May 28, 2024	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC
Sep 18, 2020	Warranty Deed, Transfer METROPLITAN TITLE, METROPOLITAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2024 · Amount on Record
Deed Sale	May 28, 2024 · Amount on Record
Prior Sale	Sep 18, 2020 · Amount on Record
Deed Document Number	0002411530
Record Updated	Sep 20, 2026

September 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	1138 E 3RD ST, MISHAWAKA, IN 46544-2735
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000639714
Date	Sep 13, 2006
Instrument	0639714

Lender

Name	SOUTH CENTRAL BANK NA
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	1138 E 3RD ST, MISHAWAKA, IN 46544-2735
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE IN LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001305547
Date	Feb 25, 2013
Instrument	1305547

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2038

February 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	1138 E 3RD ST, MISHAWAKA, IN 46544-2735
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000506122
Date	Feb 10, 2005
Instrument	0506122

Lender

Name	CUSTOM MORTGAGE INC
Type	Subprime Lender
Address	INDIANAPOLIS, IN 46202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2030

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	May 28, 2024
Property Address	1138 E 3RD ST, MISHAWAKA, IN 46544-2735
Document Number	0002411530
Map Reference	PB 9 PG 114
Instrument Date	May 23, 2024
Instrument	2411530
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	MTC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1138 E 3RD ST, MISHAWAKA, IN 46544-2735

Mortgage

Document Number	0002411531
Date	May 28, 2024
Instrument	2411531

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Sep 18, 2020
Property Address	1138 E 3RD ST, MISHAWAKA, IN 46544-2735
Document Number	0002027879
Map Reference	PB 9 PG 114
Instrument Date	Sep 11, 2020
Instrument	2027879
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	METROPLITAN TITLE, METROPOLITAN TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1138 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		$122,200 (-4.31%) Land $23,900 Building $98,300	$122,200 (-4.31%) Land $23,900 Building $98,300
2024	$1,617.00 (+12.06%)
2023	$1,443.00 (-1.3%)	$127,700 (-) Land $23,900 Building $103,800	$127,700 (-) Land $23,900 Building $103,800
2022	$1,462.00 Homeowner's exemption	$127,700 Land $23,900 Building $103,800	$127,700 Land $23,900 Building $103,800

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 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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