123 Floyd St, Elkhart, IN 46514 Property Records

Elkhart County property record for 123 Floyd St, Elkhart, IN 46514

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1951
Lot Size	0.145 acres (6,316 sqft)
Owner	2 Individual Names on Record
Tax Bill	$70 (2024)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-02-32-451-002.000-027`

Property Details

APN / Parcel Number

Primary APN	`20-02-32-451-002.000-027`
Alternative APN	`0232451002027`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Family Room	Family Room

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,316 sqft (0.145 acres)
Lot Dimensions	115 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	123 FLOYD ST
City	ELKHART
State	IN
Zip	46514-3239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	WHITCOMB & KELLER REPLAT OF LOTS 181-193 & 207-219 INCL LOT 12
Legal Subdivision	WHITCOMB & KELLER
Legal Block	451
Legal Lot Number	181-1
Jurisdiction	ELKHART IN
Township / Civil Division	OSOLO
Census Block Group	2
Census Block	2045
Census Tract	1601

Owner

Source: Elkhart 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	2 Individual Names on Record
Mailing Address	123 FLOYD ST, ELKHART, IN 46514-3239
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 13, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 14, 2025
Transfer Doc	0000003998
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	123 FLOYD ST, ELKHART, IN 46514-3239
Transaction Type	Mortgage
Record Updated	Jan 26, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001030
Date	Jan 14, 2022
Instrument	2022-01030

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	123 FLOYD ST, ELKHART, IN 46514-3239
Document Number	0000025381
Instrument Date	Nov 13, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 FLOYD ST ELKHART IN 465143239, ELKHART, IN 46514-3239

Mortgage

Document Number	0000025381
Date	Dec 4, 2019
Instrument	25381

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2049

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		$100,400 (+7.15%) Land $11,500 Building $88,900	$100,400 (+7.15%) Land $11,500 Building $88,900
2024	$70.00 (+32.08%)	$93,700 (+8.57%) Land $11,500 Building $82,200	$93,700 (+8.57%) Land $11,500 Building $82,200
2023		$86,300 (+11.21%) Land $11,500 Building $74,800	$86,300 (+11.21%) Land $11,500 Building $74,800
2022	$53.00	$77,600 Land $11,500 Building $66,100	$77,600 Land $11,500 Building $66,100

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 403 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.

Nearby Properties on Floyd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures