130 E 16th St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 130 E 16th St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 232 sqft · built 1952
Lot Size	0.116 acres (5,084 sqft)
Owner	Individual Name on File
Last Sale	$174,000 (Nov 2025)
Tax Bill	$952 (2024)
Deeds & Mortgages	Oct 2019 Mortgage Nov 2022 Line of Credit + 8 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-21-231-009.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-21-231-009.000-023`
Alternative APN	`01612228880`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	232 sqft Living Area
Gross Area	757 sqft
Attic Area	760 sqft
Basement Area	757 sqft
Finished Basement	525 sqft

Exterior

Year Built	Built 1952
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	5,084 sqft (0.116 acres)
Lot Dimensions	124 ft deep x 41 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01612228880
Street Address	130 E 16TH ST
City	MISHAWAKA
State	IN
Zip	46544-5307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 SOUTH PARK ADD
Legal Subdivision	SOUTH PARK ADD
Legal Lot Number	13
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	2
Census Block	2018
Census Tract	10300

Owner

130 E 16th St is owned and occupied by an individual who bought it in November 2025.

Source: St. Joseph County records, as of March 6, 2026

Owner of Record	Individual Name on File
Mailing Address	130 E 16TH ST, MISHAWAKA, IN 46544-5307
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 9, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK
May 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage SOUTH BEND FIREFIGHTERS FCU
Jan 14, 2009	Deed of Trust, Mortgage · FHA Mortgage JPMORGAN CHASE BANK NA
Nov 6, 2025	Warranty Deed, Transfer · Conventional Mortgage SYNERGY ONE LENDING INC
Jul 31, 2017	Deed, Transfer · FHA Mortgage RUOFF MORTGAGE CO INC
Jul 3, 2013	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE CO INC
Apr 23, 2013	Warranty Deed, Foreclosure
Feb 13, 2013	Sheriff's Deed, Foreclosure
Dec 5, 2006	Warranty Deed, Transfer · ARM FIRST FRANKLIN FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2025 · Amount on File
Deed Sale	Nov 6, 2025 · Amount on File
Prior Sale	Jul 31, 2017 · Amount on File
Deed Document Number	2528547
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	130 E 16TH ST, MISHAWAKA, IN 46544-5307
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001926039
Date	Oct 9, 2019
Instrument	1926039

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	130 E 16TH ST, MISHAWAKA, IN 46544-5307
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002232317
Date	Nov 9, 2022
Instrument	2232317

Lender

Name	PNC BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Nov 5, 2062

Interest

Rate Type	Fixed Rate

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	130 E 16TH ST, MISHAWAKA, IN 46544-5307
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002510947
Date	May 12, 2025
Instrument	2510947

Lender

Name	SOUTH BEND FIREFIGHTERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 29, 2045

January 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	130 E 16TH ST, MISHAWAKA, IN 46544-5307
Transaction Type	Mortgage
Record Updated	Jan 23, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000901150
Date	Jan 14, 2009
Instrument	0901150

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2039

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Nov 6, 2025
Property Address	130 E 16TH ST, MISHAWAKA, IN 46544-5307
Document Number	0002528547
Map Reference	PB 14 PG S
Instrument Date	Nov 3, 2025
Instrument	2528547
Transaction Type	Transfer
Record Updated	Jan 23, 2026
Title Company	MTC

Transaction

Amount	Amount 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	130 E 16TH ST, MISHAWAKA, IN 46544-5307
Investor	Possibly a Property Investor

Mortgage

Document Number	0002528548
Date	Nov 6, 2025
Instrument	2528548

Lender

Name	SYNERGY ONE LENDING INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Mortgage

Document Number	0002528593
Date	Nov 7, 2025
Instrument	2528593

Lender

Name	IHCDA
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jul 31, 2017
Property Address	130 E 16TH ST, MISHAWAKA, IN 46544-5307
Document Number	0001720235
Map Reference	PB14 PG S
Instrument Date	Jul 25, 2017
Instrument	1720235
Transaction Type	Transfer
Record Updated	Jan 23, 2026
Title Company	METROPOLITAN TITLE

Transaction

Amount	Amount on Record
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	130 E 16TH ST, MISHAWAKA, IN 46544-5307

Mortgage

Document Number	0001720236
Date	Jul 31, 2017
Instrument	1720236

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Fixed Rate

July 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jul 3, 2013
Property Address	130 E 16TH ST, MISHAWAKA, IN 46544-5307
Document Number	0001320242
Map Reference	PB 14 PG S
Instrument Date	Jun 21, 2013
Instrument	1320242
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 E 16TH ST, MISHAWAKA, IN 46544-5307
Investor	Possibly a Property Investor

Mortgage

Document Number	0001320243
Date	Jul 3, 2013
Instrument	1320243

Lender

Name	RUOFF MORTGAGE CO INC
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

April 2013: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Apr 23, 2013
Property Address	130 E 16TH ST, MISHAWAKA, IN 46544-5307
Document Number	0001312078
Map Reference	PB 14 PG S
Instrument Date	Dec 10, 2012
Instrument	1312078
Transaction Type	Foreclosure
Record Updated	Jan 23, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4400 WILL ROGERS PKWY STE 300, 300, OKLAHOMA CITY, OK 73108-1870

February 2013: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Feb 13, 2013
Property Address	130 E 16TH ST, MISHAWAKA, IN 46544-5307
Document Number	0001304429
Map Reference	MB14 PG S
Instrument Date	Nov 1, 2012
Instrument	1304429
Transaction Type	Foreclosure
Record Updated	Jan 23, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3415 VISION DR, COLUMBUS, OH 43219-6009
Investor	Possibly a Property Investor

December 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Dec 5, 2006
Property Address	130 E 16TH ST, MISHAWAKA, IN 46544-5307
Document Number	0000652055
Map Reference	MB14 PG S
Instrument Date	Nov 30, 2006
Instrument	0652055
Transaction Type	Transfer
Record Updated	Jan 23, 2026
Title Company	MERIDIAN TITLE CORP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000652056
Date	Dec 5, 2006
Instrument	0652056

Lender

Name	FIRST FRANKLIN FINANCIAL CORP
Type	Subprime Lender

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2036
Prepayment Penalty	00 Months

Interest

Rate Type	Adjustable Rate
Rate	7.8%
Type Change Date	Dec 1, 2008
Change Frequency	6 Months
Min Rate At Change	7.8%
Max Rate At Change	10.8%
Index	6-Month LIBOR
Max Rate	13.8%

Mortgage

Document Number	0000652057
Date	Dec 5, 2006
Instrument	0652057

Lender

Name	FIRST FRANKLIN FINANCIAL CORP
Type	Subprime Lender
Address	SAN JOSE, CA 95131

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2021

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	St. Joseph County
County Subdivision	Penn Township
Municipality	Mishawaka City
Unified School District	Mishawaka School City (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$166,500 (+82.77%) Land $21,800 Building $144,700	$166,500 (+82.77%) Land $21,800 Building $144,700
2024	$952.00 (-6.3%)	$91,100 (-3.9%) Land $19,200 Building $71,900	$91,100 (-3.9%) Land $19,200 Building $71,900
2023	$1,016.00 (-10.17%)	$94,800 (-6.6%) Land $19,200 Building $75,600	$94,800 (-6.6%) Land $19,200 Building $75,600
2022	$1,131.00	$101,500 Land $21,800 Building $79,700	$101,500 Land $21,800 Building $79,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 130 E 16th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 15, 2015 · 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	2 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

The area around 130 E 16th St has no burnable land within ember reach, so its wildfire risk is not rated.

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	MISHAWAKA UTILITIES serves 49,675 people · EPA ID IN5271009
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	7 ppb (2024–2026) 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 415 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Mercury Fiber, Verizon.

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