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115 E Warren St, Middlebury, IN 46540 Property Records

Elkhart County property record for 115 E Warren St, Middlebury, IN 46540

Property Summary

Property TypeRetail Stores (Personal Services, Photography, Travel)
Details1,080 sqft · built 1890
Lot Size0.023 acres (1,002 sqft)
OwnerCompany Name on File
Last Sale$250,000 (May 2020)
Tax Bill$1,175 (2024)
Deeds & MortgagesMay 2020 Foreclosure
Flood ZoneZone X (minimal risk)
APN20-08-10-405-008.000-035

Property Details

APN / Parcel Number

Primary APN20-08-10-405-008.000-035
Alternative APN
  • 0810405008035

Interior

Stories1 Story
Building Area1,080 sqft Gross Area
1st Floor Area1,080 sqft

Exterior

Year BuiltBuilt 1890
Effective Year BuiltEffective 1980
Exterior MaterialBrick
Construction TypeBrick
Fire ResistanceWood or Wood & Steel Frame
Lot Area1,002 sqft (0.023 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
Heating FuelGas
SewerConnected

Location & Zoning

Street Address115 E WARREN ST
CityMIDDLEBURY
StateIN
Zip46540-2211
Property CategoryCommercial
Property TypeCommercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning CodeZO01
Legal DescriptionMIDDLEBURY ORIG 19 1/2X50FT IN NE COR LOT 10 BLK 31(TIF 163)
Legal SubdivisionMIDDLEBURY
Legal Block31
Legal Lot Number10
JurisdictionELKHART IN
Township / Civil DivisionMIDDLEBURY
Census Block Group1
Census Block1039
Census Tract801

Owner

115 E Warren St, a commercial property, is owned by a company that bought it in May 2020.

Source: Elkhart County records, as of April 14, 2026

Owner of RecordCompany Name on File
Mailing AddressPO BOX 106, MIDDLEBURY, IN 46540-0106
Owner TypeCompany
VestingLimited Liability Company

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 12, 2020 · Amount on File
Deed SaleMay 12, 2020 · Amount on File
Prior SaleFeb 26, 2016
Deed Document Number20209792
Prior Transfer DateDec 27, 2006
Prior Transfer Doc0000000520
Record UpdatedJun 8, 2026

May 2020: Warranty Deed, Foreclosure

Document TypeWarranty Deed
JurisdictionELKHART IN
Recording DateMay 12, 2020
Property Address115 E WARREN ST, MIDDLEBURY, IN 46540-2211
Document Number0000009792
Map ReferenceMB 2 PG 500
Instrument DateMay 8, 2020
Instrument2020-09792
Transaction TypeForeclosure
Record UpdatedOct 22, 2021

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address11659 COUNTY ROAD 116, MIDDLEBURY, IN 46540-9762

Mortgage

Document Number0000009793
DateMay 12, 2020
Instrument2020-09793
Lender
NameINTERRA CU
TypeCredit Union
Agreement
TypeCommercial Mortgage
AmountAmount on Record

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIndiana
CountyElkhart County
County SubdivisionMiddlebury Township
MunicipalityMiddlebury Town
Unified School DistrictMiddlebury Community Schools (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$53,300 (+13.4%) Land $1,600 Building $51,700$53,300 (+13.4%) Land $1,600 Building $51,700
2024$1,175.00$47,000 (+20.2%) Land $1,600 Building $45,400$47,000 (+20.2%) Land $1,600 Building $45,400
2023$39,100 (-39%) Land $1,600 Building $37,500$39,100 (-39%) Land $1,600 Building $37,500
2022$1,684.00$64,100 Land $1,600 Building $62,500$64,100 Land $1,600 Building $62,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 115 E Warren St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective August 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims4 (1993–2018)
Claims Outside the SFHA1 of 4
Most Recent ClaimFeb 2018 · Severe Storms And Flooding
Claims by Event
  • Severe Storms And Flooding, Feb 2018 · 3 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

Wildfire risk around 115 E Warren St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 73% of Indiana
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemMIDDLEBURY WATER DEPARTMENT
serves 3,420 people · EPA ID IN5220014
Water SourceGroundwater
Last State InspectionJul 2023
Lead1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 276 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Surf Internet
Fiber		8,000 / 8,000
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: AT&T, New Paris Telephone Company.

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