12197 S 700 E, North Manchester, IN 46962 Property Records

Kosciusko County property record for 12197 S 700 E, North Manchester, IN 46962

Property Summary

Property Type	Rural Home
Details	2 bd · 1.5 ba · 2,688 sqft · built 2011
Lot Size	21.2 acres (926,957 sqft)
Owner	Individual Name on File
Tax Bill	$2,216 (2025)
Deeds & Mortgages	Apr 2024 Sale Mar 2021 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`019-726002-77`

Property Details

APN / Parcel Number

Primary APN	`019-726002-77`
Alternative APNs	`43-19-14-100-001.000-009` `00007087523` `1972600277`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,688 sqft Living Area
1st Floor Area	2,688 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Construction Type	Wood
Roof Material	Metal
Lot Area	926,957 sqft (21.2 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	1,440 sqft
Parking Spaces	5 Parking Spaces
Pool Type	Above-Ground Pool
Pool Area	707 sqft
Deck Area	605 sqft

Utilities, Heating & Cooling

Heating System	Solar

Location & Zoning

Account Number	00007087523
Street Address	12197 S 700 E
City	NORTH MANCHESTER
State	IN
Zip	46962-9559
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AG
Legal Description	19-101-1.B PT S 1/2 N 1/2 NE 14-30-7 21.28A PER DEED
Legal Range	7
Legal Township	30
Legal Section	14
Legal Subdivision	HARDY ACRES
Jurisdiction	KOSCIUSKO IN
Township / Civil Division	JACKSON
Census Block Group	3
Census Block	3056
Census Tract	962600

Owner

12197 S 700 E, a rural home, is owned and occupied by an individual who acquired it in April 2024.

Source: Kosciusko County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	12197 S 700 E, NORTH MANCHESTER, IN 46962-9559
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Apr 15, 2024	Warranty Deed, Transfer METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE CITY BANK
Aug 3, 2018	Deed of Trust, Mortgage · ARM HORIZON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2024
Deed Sale	Apr 15, 2024
Deed Document Number	202440508
Record Updated	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	Apr 15, 2024
Property Address	12197 S 700 E, NORTH MANCHESTER, IN 46962-9559
Document Number	2024040508
Map Reference	MB 18 PG 17
Instrument Date	Apr 9, 2024
Instrument	2024040508
Transaction Type	Transfer
Record Updated	May 10, 2024
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 AZUBA CT, COLUMBIA CITY, IN 46725-1501

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	12197 S 700 E, NORTH MANCHESTER, IN 46962-9559
Transaction Type	Mortgage
Record Updated	Apr 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021031551
Date	Mar 26, 2021
Instrument	2021031551

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46580

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	12197 S 700 E, NORTH MANCHESTER, IN 46962-9559
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018080174
Date	Aug 3, 2018
Instrument	2018080174

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.25%
Index	1-Year CMT
Max Rate	9.25%

Tax Assessment & Valuation

The 2025 property tax bill for 12197 S 700 E was $2,216 with a homeowner's exemption, up 11.6% from the year before.

Source: Kosciusko County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Kosciusko County
County Subdivision	Jackson Township
Unified School District	Whitko Community School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,216.00 (+11.58%) Homeowner's exemption	$357,000 Land $33,500 Building $323,500	$357,000 Land $33,500 Building $323,500
2024	$1,986.00 (+23.89%)
2023	$1,603.00 (+0.25%)	$254,200 (-0.2%) Land $31,800 Building $222,400	$254,200 (-0.2%) Land $31,800 Building $222,400
2022	$1,599.00	$254,700 Land $29,200 Building $225,500	$254,700 Land $29,200 Building $225,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12197 S 700 E in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 29, 2015

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 12197 S 700 E is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 73% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Kosciusko Connect Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on S 700 E

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