1301 E 3rd St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 1301 E 3rd St, Mishawaka, IN 46544

Property Summary

Property Type	Duplex
Details	3 bd · 3 ba · 1,408 sqft · built 1938
Lot Size	0.146 acres (6,400 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Oct 2024)
Tax Bill	$1,612 (2024)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-281-001.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-281-001.000-023`
Alternative APN	`01610351478`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,408 sqft Living Area
Basement Area	264 sqft
Game Room	Game Room

Exterior

Year Built	Built 1938
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	6,400 sqft (0.146 acres)
Lot Dimensions	128 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610351478
Street Address	1301 E 3RD ST
City	MISHAWAKA
State	IN
Zip	46544-2730
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LOT 44 CAMPBELLS PLAT
Legal Subdivision	CAMPBELLS
Legal Lot Number	44
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	3
Census Block	3036
Census Tract	10400

Owner

1301 E 3rd St, a duplex, is owned and occupied by an individual who bought it in October 2024.

Source: St. Joseph County records, as of March 6, 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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1301 E 3RD ST, MISHAWAKA, IN 46544-2730
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2020	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC
Apr 3, 2018	Deed, Transfer · FHA Mortgage RUOFF MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2024 · Amount on File
Deed Sale	Oct 7, 2024 · Amount on File
Prior Sale	Jul 17, 2020 · Amount on File
Deed Document Number	0002423538
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jul 17, 2020
Property Address	1301 E 3RD ST, MISHAWAKA, IN 46544-2730
Document Number	0002020167
Map Reference	PB 8 PG 172-173
Instrument Date	Jul 14, 2020
Instrument	2020167
Transaction Type	Transfer
Record Updated	Jun 12, 2023

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
Relationship	Joint Tenants
Address	1301 E 3RD ST, MISHAWAKA, IN 46544-2730
Investor	Possibly a Property Investor

Mortgage

Document Number	0002020168
Date	Jul 17, 2020
Instrument	2020168

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Apr 3, 2018
Property Address	1301 E 3RD ST, MISHAWAKA, IN 46544-2730
Document Number	0001807370
Map Reference	PB 8 PG 172-173
Instrument Date	Mar 23, 2018
Instrument	1807370
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	METROPLITAN TITLE, METROPOLITAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1301 E 3RD ST, MISHAWAKA, IN 46544-2730

Mortgage

Document Number	0001807371
Date	Apr 3, 2018
Instrument	1807371

Lender

Name	RUOFF MORTGAGE CO INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

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		$118,300 (-9%) Land $26,000 Building $92,300	$118,300 (-9%) Land $26,000 Building $92,300
2024	$1,612.00 (+7.61%)
2023	$1,498.00 (-1.32%)	$130,000 (-) Land $26,000 Building $104,000	$130,000 (-) Land $26,000 Building $104,000
2022	$1,518.00 Homeowner's exemption	$130,000 Land $26,000 Building $104,000	$130,000 Land $26,000 Building $104,000

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

Flood

FEMA maps place 1301 E 3rd St in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1301 E 3rd 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 505 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Fourway.

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