Allen County property record for 12521 Speranza Dr, Fort Wayne, IN 46818
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 4,430 sqft · built 2018 |
| Lot Size | 0.311 acres (13,550 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $605,150 (Apr 2025) |
| Tax Bill | $3,617 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Sep 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-11-05-227-015.000-038 |
| Primary APN | 02-11-05-227-015.000-038 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 4,430 sqft Living Area |
| Gross Area | 5,211 sqft |
| 1st Floor Area | 2,215 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 13,550 sqft (0.311 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 781 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 12521 SPERANZA DR |
|---|---|
| City | FORT WAYNE |
| State | IN |
| Zip | 46818-0071 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALMIRA LAKES SEC I LOT 43 |
| Legal Subdivision | PALMIRA LAKES |
| Legal Lot Number | 43 |
| Jurisdiction | ALLEN IN |
| Township / Civil Division | ABOITE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 11608 |
12521 Speranza Dr is owned and occupied by two individuals who bought it in April 2025.
Source: Allen County records, as of October 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12521 SPERANZA DR, FORT WAYNE, IN 46818-0071 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Sep 3, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Jun 28, 2018 | Warranty Deed, Transfer LAFAYETTE BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 11, 2025 · Amount on File |
| Deed Sale | Apr 11, 2025 · Amount on File |
| Prior Sale | Sep 3, 2019 · Amount on File |
| Deed Document Number | 202515756 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN IN |
| Property Address | 12521 SPERANZA DR, FORT WAYNE, IN 46818-0071 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Title Company | UNKNOWN, LAND GROUP TITLE |
| Name | Verified Name |
|---|---|
| Address | 1252 SPERANZA DR, FORT WAYNE, IN 46818 |
| Document Number | 2026002814 |
|---|---|
| Date | Jan 20, 2026 |
| Instrument | 2026002814 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEN IN |
| Recording Date | Sep 3, 2019 |
| Property Address | 12521 SPERANZA DR, FORT WAYNE, IN 46818-0071 |
| Document Number | 2019044202 |
| Instrument Date | Aug 30, 2019 |
| Instrument | 2019044202 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 12, 2023 |
| Title Company | METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12521 SPERANZA DR, FORT WAYNE, IN 46818-0071 |
| Document Number | 2019044203 |
|---|---|
| Date | Sep 3, 2019 |
| Instrument | 2019044203 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEN IN |
| Recording Date | Jun 28, 2018 |
| Property Address | 12521 SPERANZA DR, FORT WAYNE, IN 46818-0071 |
| Document Number | 2018031702 |
| Instrument Date | Jun 18, 2018 |
| Instrument | 2018031702 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2023 |
| Title Company | METROPOLITAN TITLE OF IN LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 4823, LAFAYETTE, IN 47903-4823 |
| Investor | Possibly a Property Investor |
| Document Number | 2018030374 |
|---|---|
| Date | Jun 22, 2018 |
| Instrument | 2018030374 |
| Name | LAFAYETTE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LAFAYETTE, IN 47902 |
| Amount | Amount on Record |
|---|---|
| Term | 20 Months |
| Due | Feb 5, 2020 |
The 2025 property tax bill for 12521 Speranza Dr was $3,617, down 4% from the year before.
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 | $3,617.00 (-4.03%) | $454,000 (+0.2%) Land $84,600 Building $369,400 | $454,000 (+0.2%) Land $84,600 Building $369,400 |
| 2024 | $3,769.00 (+11.57%) | $453,100 (+5.01%) Land $84,600 Building $368,500 | $453,100 (+5.01%) Land $84,600 Building $368,500 |
| 2023 | $3,378.00 (+17.58%) | $431,500 (+12.08%) Land $70,600 Building $360,900 | $431,500 (+12.08%) Land $70,600 Building $360,900 |
| 2022 | $2,873.00 | $385,000 Land $70,600 Building $314,400 | $385,000 Land $70,600 Building $314,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12521 Speranza Dr in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 12521 Speranza Dr 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.
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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