115 E Emerald St, Elkhart, IN 46514 Property Records

Elkhart County property record for 115 E Emerald St, Elkhart, IN 46514

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,576 sqft · built 1947
Lot Size	0.161 acres (7,013 sqft)
Owner	Individual Name on Record
Last Sale	$212,693 (Dec 2024)
Tax Bill	$1,622 (2024)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Feb 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`20-02-32-403-001.000-027`

Property Details

APN / Parcel Number

Primary APN	`20-02-32-403-001.000-027`
Alternative APN	`0232403001027`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,576 sqft Living Area
Gross Area	1,936 sqft
1st Floor Area	1,576 sqft
Upper Floors Area	480 sqft
Basement Area	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,013 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Frame Porch
Porch Area	36 sqft
Patio Area	372 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	115 E EMERALD ST
City	ELKHART
State	IN
Zip	46514-3245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	CHRISTIANA PLACE LOT 173
Legal Subdivision	CHRISTIANA PLACE
Legal Block	403
Legal Lot Number	173
Jurisdiction	ELKHART IN
Township / Civil Division	OSOLO
Census Block Group	2
Census Block	2020
Census Tract	1601

Owner

Source: Elkhart County records, as of January 21, 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	115 E EMERALD ST, ELKHART, IN 46514-3245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Feb 8, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2024 · Amount on Record
Deed Sale	Dec 16, 2024 · Amount on Record
Prior Sale	Nov 1, 2021 · Amount on Record
Deed Document Number	202420900
Prior Transfer Date	Jan 7, 2019
Prior Transfer Doc	0000002820
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Nov 1, 2021
Property Address	115 E EMERALD ST, ELKHART, IN 46514-3245
Document Number	0000009497
Map Reference	MB 2 PG 112
Instrument Date	Oct 22, 2021
Instrument	2021-29497
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	NEAR NORTH TITLE GROUP

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 E EMERALD ST, ELKHART, IN 46514-3245

Mortgage

Document Number	0000009498
Date	Nov 1, 2021
Instrument	2021-29498

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKHART IN
Recording Date	Feb 8, 2019
Property Address	115 E EMERALD ST, ELKHART, IN 46514-3245
Document Number	0000002820
Instrument Date	Jan 7, 2019
Instrument	2820
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3948 LEGACY DR #106-334 PLANO TX 750238300, 106-33, PLANO, TX 75023-8300

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Osolo Township
Municipality	Elkhart City
Unified School District	Elkhart Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$217,200 (+36.43%) Land $11,400 Building $205,800	$217,200 (+36.43%) Land $11,400 Building $205,800
2024	$1,622.00 (+23.25%)	$159,200 (+9.19%) Land $11,400 Building $147,800	$159,200 (+9.19%) Land $11,400 Building $147,800
2023		$145,800 (+11.98%) Land $11,400 Building $134,400	$145,800 (+11.98%) Land $11,400 Building $134,400
2022	$1,316.00 Homeowner's exemption	$130,200 Land $11,400 Building $118,800	$130,200 Land $11,400 Building $118,800

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 August 22, 2024 · 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 Policies	3 in force
Nearby Flood Claims	1 (1981)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1981 · rainfall accumulation

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	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	ELKHART PUBLIC WORKS AND UTILITIES serves 46,455 people · EPA ID IN5220008
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	2 ppb (2023–2025) 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 132 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Surf Internet.

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