Elkhart County property record for 1237 Bower St, Elkhart, IN 46514
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 864 sqft · built 1951 |
| Lot Size | 0.164 acres (7,144 sqft) |
| Owner | Individual Name on File |
| Last Sale | $183,465 (Jan 2025) |
| Tax Bill | $1,813 (2024) |
| Deeds & Mortgages | Jan 2025 Second Mortgage Jan 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-06-06-401-005.000-012 |
| Primary APN | 20-06-06-401-005.000-012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| Gross Area | 1,264 sqft |
| 1st Floor Area | 864 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,144 sqft (0.164 acres) |
| Lot Dimensions | 135 ft deep x 53 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Breezeway |
| Porch Area | 268 sqft |
| Breezeway | Breezeway |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 1237 BOWER ST |
|---|---|
| City | ELKHART |
| State | IN |
| Zip | 46514-2434 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZO01 |
| Legal Description | MONGERS STRONG AVE ADD LOT 27 |
| Legal Subdivision | MONGERS STRONG AVE ADD |
| Legal Block | 401 |
| Legal Lot Number | 27 |
| Jurisdiction | ELKHART IN |
| Township / Civil Division | CONCORD |
| Census Block Group | 5 |
| Census Block | 5024 |
| Census Tract | 2400 |
Source: Elkhart County records · APN 20-06-06-401-005.000-012
Assessment roll updated December 29, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 1237 BOWER ST, ELKHART, IN 46514-2434 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 29, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jan 29, 2025 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Sep 11, 2024 | Warranty Deed, Transfer |
| Sep 11, 2024 | Intrafamily Transfer, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 29, 2025 · Amount on Record |
| Deed Sale | Jan 29, 2025 · Amount on Record |
| Prior Sale | Sep 11, 2024 · Amount on Record |
| Deed Document Number | 20251586 |
| Prior Transfer Date | Sep 05, 2024 |
| Prior Transfer Doc | 0000004842 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKHART IN |
| Property Address | 1237 BOWER ST, ELKHART, IN 46514-2434 |
| Transaction Type | Mortgage |
| Record Updated | Nov 06, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1237 BOWER ST, ELKHART, IN 46514-2434 |
| Document Number | 0000001588 |
|---|---|
| Date | Jan 29, 2025 |
| Instrument | 2025-01588 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Feb 01, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ELKHART IN |
| Recording Date | Jan 29, 2025 |
| Property Address | 1237 BOWER ST, ELKHART, IN 46514-2434 |
| Document Number | 0000001586 |
| Map Reference | MB 2 PG 183 |
| Instrument Date | Jan 23, 2025 |
| Instrument | 2025-01586 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 17, 2025 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1237 BOWER ST, ELKHART, IN 46514-2434 |
| Document Number | 0000001587 |
|---|---|
| Date | Jan 29, 2025 |
| Instrument | 2025-01587 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ELKHART IN |
| Recording Date | Sep 11, 2024 |
| Property Address | 1237 BOWER ST, ELKHART, IN 46514-2434 |
| Document Number | 0000004843 |
| Map Reference | MB 2 PG 183 |
| Instrument Date | Sep 09, 2024 |
| Instrument | 2024-14843 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 21513 COUNTY ROAD 8, BRISTOL, IN 46507-9301 |
| Investor | Possibly a Property Investor |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ELKHART IN |
| Recording Date | Sep 11, 2024 |
| Property Address | 1237 BOWER ST, ELKHART, IN 46514-2434 |
| Document Number | 0000004842 |
| Map Reference | MB 2 PG 183 |
| Instrument Date | Sep 05, 2024 |
| Instrument | 2024-14842 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Elkhart County records · Assessment roll updated December 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Elkhart County |
| County Subdivision | Concord Township |
| Municipality | Elkhart City |
| Unified School District | Elkhart Community Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $101,000 (+13.61%) Land $19,800 Building $81,200 | $101,000 (+13.61%) Land $19,800 Building $81,200 | |
| 2024 | $1,813.00 (+14.1%) | $88,900 (+5.58%) Land $19,800 Building $69,100 | $88,900 (+5.58%) Land $19,800 Building $69,100 |
| 2023 | $84,200 (+7.4%) Land $19,800 Building $64,400 | $84,200 (+7.4%) Land $19,800 Building $64,400 | |
| 2022 | $1,589.00 | $78,400 Land $19,800 Building $58,600 | $78,400 Land $19,800 Building $58,600 |
Source: FEMA National Flood Hazard Layer as of August 22, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1981) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 1981 · rainfall accumulation |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Mercury Broadband, Verizon.
Based on FCC filings for 553 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ELKHART PUBLIC WORKS AND UTILITIES serves 46,455 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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