Allen County property record for 12581 Speranza Dr, Fort Wayne, IN 46818 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,830 sqft · built 2019 |
| Lot Size | 0.302 acres (13,172 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $388,360 (Jun 2021) |
| Tax Bill | $3,158 (2025) |
| Deeds & Mortgages | May 2019 Construction Loan Jun 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-11-05-227-012.000-038 |
| Primary APN | 02-11-05-227-012.000-038 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,830 sqft Living Area |
| Gross Area | 4,492 sqft |
| 1st Floor Area | 1,915 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 13,172 sqft (0.302 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 662 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 12581 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 46 |
| Legal Subdivision | PALMIRA LAKES |
| Legal Lot Number | 46 |
| Jurisdiction | ALLEN IN |
| Township / Civil Division | ABOITE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 11608 |
Source: Allen County records · APN 02-11-05-227-012.000-038
Assessment roll updated May 27, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 12581 SPERANZA DR, FORT WAYNE, IN 46818-0071 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 14, 2019 | Deed of Trust, Mortgage · Construction Mortgage FIRST MERCHANTS BANK |
| Jun 14, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK |
| Oct 01, 2019 | Warranty Deed, Transfer · Conventional Mortgage MIDWEST AMERICA FCU |
| Mar 25, 2019 | Warranty Deed, Transfer RENAISSANCE TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 14, 2021 · Amount on Record |
| Deed Sale | Jun 14, 2021 · Amount on Record |
| Prior Sale | Oct 01, 2019 · Amount on Record |
| Deed Document Number | 202139011 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEN IN |
| Property Address | 12581 SPERANZA DR, FORT WAYNE, IN 46818-0071 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2019021883 |
|---|---|
| Date | May 14, 2019 |
| Instrument | 2019021883 |
| Name | FIRST MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | FORT WAYNE, IN 46802 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 03, 2020 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEN IN |
| Recording Date | Jun 14, 2021 |
| Property Address | 12581 SPERANZA DR, FORT WAYNE, IN 46818-0071 |
| Document Number | 2021039011 |
| Map Reference | CAB G PG 194 |
| Instrument Date | Jun 09, 2021 |
| Instrument | 2021039011 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2023 |
| Title Company | METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12581 SPERANZA DR, FORT WAYNE, IN 46818-0071 |
| Document Number | 2021039012 |
|---|---|
| Date | Jun 14, 2021 |
| Instrument | 2021039012 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEN IN |
| Recording Date | Oct 01, 2019 |
| Property Address | 12581 SPERANZA DR, FORT WAYNE, IN 46818-0071 |
| Document Number | 2019049521 |
| Instrument Date | Sep 13, 2019 |
| Instrument | 2019049521 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2023 |
| Title Company | CENTURION LAND TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12581 SPERANZA DR, FORT WAYNE, IN 46818-0071 |
| Document Number | 2019049522 |
|---|---|
| Date | Oct 01, 2019 |
| Instrument | 2019049522 |
| Name | MIDWEST AMERICA FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 01, 2029 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEN IN |
| Recording Date | Mar 25, 2019 |
| Property Address | 12581 SPERANZA DR, FORT WAYNE, IN 46818-0071 |
| Document Number | 2019013921 |
| Instrument Date | Mar 22, 2019 |
| Instrument | 2019013921 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2023 |
| Title Company | RENAISSANCE TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 7563 EAST IINCOLWAY ROAD, COLUMBIA CITY, IN 46785 |
Source: Allen County records · Assessment roll updated May 27, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Allen County |
| County Subdivision | Aboite Township |
| Unified School District | Southwest Allen County Metropolitan School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,158.00 (-4.36%) | $402,000 (+0.42%) Land $83,200 Building $318,800 | $402,000 (+0.42%) Land $83,200 Building $318,800 |
| 2024 | $3,302.00 (+13.74%) | $400,300 (+6.24%) Land $83,200 Building $317,100 | $400,300 (+6.24%) Land $83,200 Building $317,100 |
| 2023 | $2,903.00 (+17.77%) | $376,800 (+10.86%) Land $69,400 Building $307,400 | $376,800 (+10.86%) Land $69,400 Building $307,400 |
| 2022 | $2,465.00 (+12.81%) | $339,900 Land $69,400 Building $270,500 | $339,900 Land $69,400 Building $270,500 |
| 2021 | $2,185.00 |
Source: FEMA National Flood Hazard Layer, Allen County (18003C), updated April 22, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 180030116082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 5 individual NFIP policies nearby |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 5 in force 4 of 5 on primary residences |
| Wildfire Risk | Low above 4% of the US · above 27% of Indiana |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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