1315 E 3rd St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 1315 E 3rd St, Mishawaka, IN 46544

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,914 sqft · built 1918
Lot Size	0.147 acres (6,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$237,539 (Sep 2020)
Tax Bill	$1,968 (2024)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-281-004.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-281-004.000-023`
Alternative APN	`01610351481`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,914 sqft Living Area
Gross Area	2,568 sqft
1st Floor Area	2,498 sqft
Basement Area	654 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1945
Architectural Style	Duplex Single
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	6,400 sqft (0.147 acres)
Lot Dimensions	128 ft deep x 50 ft wide
View / Lot	Alley
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1315 E 3RD ST
City	MISHAWAKA
State	IN
Zip	46544-2730
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LOT 41 CAMPBELLS PLAT
Legal Subdivision	CAMPBELLS PLAT
Legal Lot Number	41
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	3
Census Block	3036
Census Tract	10400

Owner

Source: St. Joseph County records, as of March 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1315 E 3RD ST, MISHAWAKA, IN 46544-2730
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2020 · Amount on Record
Deed Sale	Sep 4, 2020 · Amount on Record
Prior Sale	Feb 26, 2015 · Amount on Record
Deed Document Number	202026260
Prior Transfer Date	May 27, 2014
Prior Transfer Doc	0000018024
Record Updated	Sep 20, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Sep 4, 2020
Property Address	1315 E 3RD ST, MISHAWAKA, IN 46544-2730
Document Number	0002026260
Map Reference	PB 8 PG 172
Instrument Date	Aug 27, 2020
Instrument	2026260
Transaction Type	Transfer
Record Updated	Jun 12, 2023

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	1315 E 3RD ST, MISHAWAKA, IN 46544-2730

Mortgage

Document Number	0002026261
Date	Sep 4, 2020
Instrument	2026261

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of March 11, 2026

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		$147,800 (-5.44%) Land $26,000 Building $121,800	$147,800 (-5.44%) Land $26,000 Building $121,800
2024	$1,968.00 (+10.07%)
2023	$1,788.00 (-2.98%)	$156,300 (-1.57%) Land $26,000 Building $130,300	$156,300 (-1.57%) Land $26,000 Building $130,300
2022	$1,843.00 Homeowner's exemption	$158,800 Land $26,000 Building $132,800	$158,800 Land $26,000 Building $132,800

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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