Allen County property record for 12478 Speranza Dr, Fort Wayne, IN 46818
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,388 sqft · built 2020 |
| Lot Size | 0.286 acres (12,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $346,813 (Aug 2020) |
| Tax Bill | $2,555 (2025) |
| Deeds & Mortgages | Jan 2020 Line of Credit Aug 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-11-05-228-022.000-038 |
| Primary APN | 02-11-05-228-022.000-038 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,388 sqft Living Area |
| Gross Area | 3,048 sqft |
| 1st Floor Area | 2,388 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 12,454 sqft (0.286 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 12478 SPERANZA DR |
|---|---|
| City | FORT WAYNE |
| State | IN |
| Zip | 46818-0070 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALMIRA LAKES SEC I LOT 39 |
| Legal Subdivision | PALMIRA LAKES |
| Legal Lot Number | 39 |
| Jurisdiction | ALLEN IN |
| Township / Civil Division | ABOITE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 11608 |
Source: Allen County records, as of May 27, 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 | 12478 SPERANZA DR, FORT WAYNE, IN 46818-0070 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 28, 2020 | Deed of Trust, Mortgage · Line of Credit COUNTRYSIDE BANK |
| Aug 11, 2020 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage UNION HOME MORTGAGE CORP |
| Oct 16, 2019 | Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 11, 2020 · Amount on Record |
| Deed Sale | Aug 11, 2020 · Amount on Record |
| Prior Sale | Oct 16, 2019 |
| Deed Document Number | 202047319 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN IN |
| Property Address | 12478 SPERANZA DR, FORT WAYNE, IN 46818-0070 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2023 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 2020005779 |
|---|---|
| Date | Jan 28, 2020 |
| Instrument | 2020005779 |
| Name | COUNTRYSIDE BANK |
|---|---|
| Type | Bank |
| Address | LA GRANGE, IL 60525 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ALLEN IN |
| Recording Date | Aug 11, 2020 |
| Property Address | 12478 SPERANZA DR, FORT WAYNE, IN 46818-0070 |
| Document Number | 2020047319 |
| Instrument Date | Jul 31, 2020 |
| Instrument | 2020047319 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 12, 2023 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12478 SPERANZA DR, FORT WAYNE, IN 46818-0070 |
| Document Number | 2020047320 |
|---|---|
| Date | Aug 11, 2020 |
| Instrument | 2020047320 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEN IN |
| Recording Date | Oct 16, 2019 |
| Property Address | 12478 SPERANZA DR, FORT WAYNE, IN 46818-0070 |
| Document Number | 2019053004 |
| Map Reference | DOC 2017-06845 |
| Instrument Date | Aug 22, 2019 |
| Instrument | 2019053004 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8051 WICKER AVES SILL TEA AST JOHN, SAINT JOHN, IN 46373 |
| Investor | Possibly a Property Investor |
Source: Allen County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Allen County |
| County Subdivision | Aboite Township |
| Unified School District | Southwest Allen County Metropolitan School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,555.00 (-16.28%) | $375,000 (+0.43%) Land $70,200 Building $304,800 | $375,000 (+0.43%) Land $70,200 Building $304,800 |
| 2024 | $3,052.00 (+12.33%) | $373,400 (+5.06%) Land $70,200 Building $303,200 | $373,400 (+5.06%) Land $70,200 Building $303,200 |
| 2023 | $2,717.00 (+16.31%) | $355,400 (+12.04%) Land $58,500 Building $296,900 | $355,400 (+12.04%) Land $58,500 Building $296,900 |
| 2022 | $2,336.00 | $317,200 Land $58,500 Building $258,700 | $317,200 Land $58,500 Building $258,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 22, 2026 · 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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 5 in force |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Indiana |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FORT WAYNE - 3 RIVERS FILTRATION PLANT serves 269,994 people · EPA ID IN5202020 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2022 |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 279 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Lakeland Internet Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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