134 E Emerald St, Elkhart, IN 46514 Property Records

Elkhart County property record for 134 E Emerald St, Elkhart, IN 46514

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,266 sqft · built 1947
Lot Size	0.122 acres (5,314 sqft)
Owner	Individual Name on Record
Last Sale	$123,962 (Dec 2025)
Tax Bill	$861 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-02-32-402-005.000-027`

Property Details

APN / Parcel Number

Primary APN	`20-02-32-402-005.000-027`
Alternative APN	`0232402005027`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,266 sqft Living Area
1st Floor Area	1,266 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,314 sqft (0.122 acres)
Lot Dimensions	90 ft deep x 59 ft wide
Porch	Slab
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	134 E EMERALD ST
City	ELKHART
State	IN
Zip	46514-3244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	CHRISTIANA PL 44.64FT E SIDE LOT 143 14.79FT W SIDE LOT 144
Legal Subdivision	CHRISTIANA PLACE
Legal Block	402
Legal Lot Number	143,1
Jurisdiction	ELKHART IN
Township / Civil Division	OSOLO
Census Block Group	2
Census Block	2021
Census Tract	1601

Owner

Source: Elkhart County records, as of October 13, 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
Mailing Address	134 E EMERALD ST, ELKHART, IN 46514-3244
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2025	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 12, 2022	Warranty Deed, Transfer · Conventional Mortgage TEACHERS CU
May 12, 2022	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2025 · Amount on Record
Deed Sale	Dec 2, 2025 · Amount on Record
Prior Sale	Aug 12, 2022 · Amount on Record
Deed Document Number	202521250
Transfer Doc	0000000819
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Dec 2, 2025
Property Address	134 E EMERALD ST, ELKHART, IN 46514-3244
Document Number	0000001250
Map Reference	MB 2 PG 112
Instrument Date	Nov 25, 2025
Instrument	2025-21250
Transaction Type	Transfer
Record Updated	Feb 13, 2026
Title Company	NEAR NORTH TITLE GROUP, NEAR NORTH TITLE GROUP LLC

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	134 E EMERALD ST, ELKHART, IN 46514-3244

Mortgage

Document Number	0000001251
Date	Dec 2, 2025
Instrument	2025-21251

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Aug 12, 2022
Property Address	134 E EMERALD ST, ELKHART, IN 46514-3244
Document Number	0000007440
Map Reference	MB 2 PG 112
Instrument Date	Aug 12, 2022
Instrument	2022-17440
Transaction Type	Transfer
Record Updated	Feb 13, 2026
Title Company	MTC

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	134 E EMERALD ST, ELKHART, IN 46514-3244

Mortgage

Document Number	0000007441
Date	Aug 12, 2022
Instrument	2022-17441

Lender

Name	TEACHERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2032
Change Frequency	Annually
Min Rate At Change	6.12%
Max Rate At Change	8.12%
Index	1-Year CMT
Max Rate	11.1%

May 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ELKHART IN
Recording Date	May 12, 2022
Property Address	134 E EMERALD ST, ELKHART, IN 46514-3244
Document Number	0000000164
Map Reference	MB 2 PG 113
Instrument Date	Mar 1, 2022
Instrument	2022-10164
Transaction Type	Transfer
Record Updated	Feb 13, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5886 S AMBER RIDGE DR, SAINT GEORGE, UT 84790-2368

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Osolo Township
Municipality	Elkhart City
Unified School District	Elkhart Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$861.00 (-0.69%)	$100,100 (+7.06%) Land $11,000 Building $89,100	$100,100 (+7.06%) Land $11,000 Building $89,100
2024	$867.00 (+50.78%)	$93,500 (+8.59%) Land $11,000 Building $82,500	$93,500 (+8.59%) Land $11,000 Building $82,500
2023		$86,100 (+11.24%) Land $11,000 Building $75,100	$86,100 (+11.24%) Land $11,000 Building $75,100
2022	$575.00	$77,400 Land $11,000 Building $66,400	$77,400 Land $11,000 Building $66,400

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 August 22, 2024 · 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	3 in force
Nearby Flood Claims	1 (1981)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1981 · rainfall accumulation

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

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	ELKHART PUBLIC WORKS AND UTILITIES serves 46,455 people · EPA ID IN5220008
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	2 ppb (2023–2025) 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 403 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Surf Internet.

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