128 E Emerald St, Elkhart, IN 46514 Property Records

Elkhart County property record for 128 E Emerald St, Elkhart, IN 46514

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 980 sqft · built 1947
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$203,835 (Nov 2025)
Tax Bill	$806 (2024)
Deeds & Mortgages	Nov 2025 Second Mortgage Nov 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`20-02-32-402-004.000-027`

Property Details

APN / Parcel Number

Primary APN	`20-02-32-402-004.000-027`
Alternative APN	`0232402004027`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	980 sqft Living Area
1st Floor Area	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	93 ft deep x 56 ft wide

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	237 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	128 E EMERALD ST
City	ELKHART
State	IN
Zip	46514-3244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	CHRISTIANA PL EX W 4.93FT LOT 142 EX 44.64FT E LOT 143
Legal Subdivision	CHRISTIANA PLACE
Legal Block	402
Legal Lot Number	142,1
Jurisdiction	ELKHART IN
Township / Civil Division	OSOLO
Census Block Group	2
Census Block	2021
Census Tract	1601

Owner

Source: Elkhart County records, as of December 29, 2025

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	128 E EMERALD ST, ELKHART, IN 46514-3244
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage INDIANA HOUSING & COMMUNITY DEVELOPMENT
Nov 7, 2025	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Sep 3, 2025	Warranty Deed, Transfer HERNANDEZ ITZEL
Sep 3, 2025	Quit Claim Deed, Transfer METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC
Sep 3, 2025	Quit Claim Deed, Transfer METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC
Jun 5, 2025	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2025 · Amount on Record
Deed Sale	Nov 7, 2025 · Amount on Record
Prior Sale	Sep 3, 2025 · Amount on Record
Deed Document Number	202519759
Prior Transfer Date	Jul 29, 2025
Prior Transfer Doc	0000005187
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	128 E EMERALD ST, ELKHART, IN 46514-3244
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009761
Date	Nov 7, 2025
Instrument	2025-19761

Lender

Name	INDIANA HOUSING & COMMUNITY DEVELOPMENT
Type	Government Agency
Address	INDIANAPOLIS, IN 46204

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Nov 7, 2025
Property Address	128 E EMERALD ST, ELKHART, IN 46514-3244
Document Number	0000009759
Map Reference	MB 2 PG 113
Instrument Date	Oct 29, 2025
Instrument	2025-19759
Transaction Type	Transfer
Record Updated	Feb 13, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 E EMERALD ST, ELKHART, IN 46514-3244

Mortgage

Document Number	0000009760
Date	Nov 7, 2025
Instrument	2025-19760

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Sep 3, 2025
Property Address	128 E EMERALD ST, ELKHART, IN 46514-3244
Document Number	0000005188
Map Reference	MB 2 PG 113
Instrument Date	Aug 19, 2025
Instrument	2025-15188
Transaction Type	Transfer
Record Updated	Feb 13, 2026
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	369 W GRAND AVE APT 2305, 2305, CHICAGO, IL 60654-4547
Investor	Possibly a Property Investor

Mortgage

Date	Sep 3, 2025

Lender

Name	HERNANDEZ ITZEL
Type	Private Party

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Aug 31, 2026

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKHART IN
Recording Date	Sep 3, 2025
Property Address	128 E EMERALD ST, ELKHART, IN 46514-3244
Document Number	0000005186
Map Reference	MB 2 PG 113
Instrument Date	Jul 29, 2025
Instrument	2025-15186
Transaction Type	Transfer
Record Updated	Feb 13, 2026
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 E EMERALD ST, ELKHART, IN 46514-3244

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKHART IN
Recording Date	Sep 3, 2025
Property Address	128 E EMERALD ST, ELKHART, IN 46514-3244
Document Number	0000005187
Map Reference	MB 2 PG 113
Instrument Date	Jul 29, 2025
Instrument	2025-15187
Transaction Type	Transfer
Record Updated	Feb 13, 2026
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 E EMERALD ST, ELKHART, IN 46514-3244

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKHART IN
Recording Date	Jun 5, 2025
Property Address	128 E EMERALD ST, ELKHART, IN 46514-3244
Document Number	0000009247
Map Reference	MB 2 PG 113
Instrument Date	Jun 3, 2025
Instrument	2025-09247
Transaction Type	Transfer
Record Updated	Feb 13, 2026

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 E EMERALD ST, ELKHART, IN 46514-3244

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		$95,500 (+6.7%) Land $10,600 Building $84,900	$95,500 (+6.7%) Land $10,600 Building $84,900
2024	$806.00 (+24.19%)	$89,500 (+8.62%) Land $10,600 Building $78,900	$89,500 (+8.62%) Land $10,600 Building $78,900
2023		$82,400 (+9.57%) Land $10,600 Building $71,800	$82,400 (+9.57%) Land $10,600 Building $71,800
2022	$649.00	$75,200 Land $10,600 Building $64,600	$75,200 Land $10,600 Building $64,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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.

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