St. Joseph County property record for 131 E 16th St, Mishawaka, IN 46544
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 896 sqft · built 1942 |
| Lot Size | 0.116 acres (5,084 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,443 (2024) |
| Deeds & Mortgages | Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 71-09-21-278-008.000-023 |
| Primary APN | 71-09-21-278-008.000-023 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 896 sqft Living Area |
| Attic | Attic |
| Attic Area | 704 sqft |
| Basement Area | 704 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1942 |
|---|---|
| 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 | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 01611606448 |
|---|---|
| Street Address | 131 E 16TH ST |
| City | MISHAWAKA |
| State | IN |
| Zip | 46544-5306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 16 OLIVER SMITHS ADD |
| Legal Subdivision | OLIVER SMITHS ADD |
| Legal Lot Number | 16 |
| Jurisdiction | ST JOSEPH IN |
| Township / Civil Division | PENN |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 10300 |
131 E 16th St is owned and occupied by two individuals who acquired it in September 1974.
Source: St. Joseph County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 131 E 16TH ST, MISHAWAKA, IN 46544-5306 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 27, 1974 |
| Deed Sale | Sep 27, 1974 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH IN |
| Property Address | 131 E 16TH ST, MISHAWAKA, IN 46544-5306 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2007189 |
|---|---|
| Date | Mar 16, 2020 |
| Instrument | 2007189 |
| Name | NOTRE DAME FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 15, 2050 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Joseph County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | St. Joseph County |
| County Subdivision | Penn Township |
| Municipality | Mishawaka City |
| Unified School District | Mishawaka School City (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $176,400 Land $21,800 Building $154,600 | $176,400 Land $21,800 Building $154,600 | |
| 2024 | $1,443.00 (-5.13%) | ||
| 2023 | $1,521.00 (-1.36%) | $134,200 (-) Land $21,800 Building $112,400 | $134,200 (-) Land $21,800 Building $112,400 |
| 2022 | $1,542.00 Homeowner's exemption | $134,200 Land $21,800 Building $112,400 | $134,200 Land $21,800 Building $112,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 131 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.
The area around 131 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.
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 |
| 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.
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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