1304 E 3rd St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 1304 E 3rd St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,833 sqft · built 1923
Lot Size	0.146 acres (6,400 sqft)
Owner	Individual Name on Record
Last Sale	$178,000 (May 2021)
Tax Bill	$1,701 (2024)
Deeds & Mortgages	Jun 2020 Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-278-010.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-278-010.000-023`
Alternative APN	`01610351470`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,833 sqft Living Area
Basement Area	792 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1950
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	Mixed
Garage Area	480 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610351470
Street Address	1304 E 3RD ST
City	MISHAWAKA
State	IN
Zip	46544-2731
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 29 CAMPBELLS PLAT
Legal Subdivision	CAMPBELLS
Legal Lot Number	29
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	3
Census Block	3030
Census Tract	10400

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	1304 E 3RD ST, MISHAWAKA, IN 46544-2731
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE CO INC
May 13, 2021	Warranty Deed, Transfer · Conventional Mortgage TEACHERS CU
Jun 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2021 · Amount on Record
Deed Sale	May 13, 2021 · Amount on Record
Prior Sale	Dec 3, 2015
Deed Document Number	0002115746
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	1304 E 3RD ST, MISHAWAKA, IN 46544-2731
Transaction Type	Mortgage
Record Updated	Feb 14, 2023
Title Company	CENTURION LAND TITLE INC, CENTURION LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002014323
Date	Jun 1, 2020
Instrument	2014323

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2035

Interest

Rate Type	Fixed Rate

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	May 13, 2021
Property Address	1304 E 3RD ST, MISHAWAKA, IN 46544-2731
Document Number	0002115746
Map Reference	PB 8 PG 172 173
Instrument Date	May 7, 2021
Instrument	2115746
Transaction Type	Transfer
Record Updated	Feb 14, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1304 E 3RD ST, MISHAWAKA, IN 46544-2731

Mortgage

Document Number	0002115747
Date	May 13, 2021
Instrument	2115747

Lender

Name	TEACHERS CU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	1304 E 3RD ST, MISHAWAKA, IN 46544-2731
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CENTURION LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2014323
Date	Jun 1, 2020
Instrument	2014323

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2035

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		$129,500 (-7.04%) Land $26,000 Building $103,500	$129,500 (-7.04%) Land $26,000 Building $103,500
2024	$1,701.00 (+7.45%)
2023	$1,583.00 (-15.66%)	$139,300 (-6.64%) Land $26,000 Building $113,300	$139,300 (-6.64%) Land $26,000 Building $113,300
2022	$1,877.00 Homeowner's exemption	$149,200 Land $26,000 Building $123,200	$149,200 Land $26,000 Building $123,200

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

Flood

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

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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