138 E Willow Dr, South Bend, IN 46637 Property Records

St. Joseph County property record for 138 E Willow Dr, South Bend, IN 46637

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 892 sqft · built 1945
Lot Size	0.332 acres (14,462 sqft)
Owner	Individual Name on File
Last Sale	$143,400 (Jun 2021)
Tax Bill	$1,968 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`71-03-25-133-008.000-007`

Property Details

APN / Parcel Number

Primary APN	`71-03-25-133-008.000-007`
Alternative APN	`00311330210`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	892 sqft Living Area
1st Floor Area	892 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1983
Construction Type	Frame
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	14,462 sqft (0.332 acres)
Lot Dimensions	132 ft deep x 110 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Street Address	138 E WILLOW DR
City	SOUTH BEND
State	IN
Zip	46637-3439
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 & 10 ROSELAND WOODS 25/26 CONS W/0211 PER ASSESSOR IC 6 1.1516
Legal Subdivision	ROSELAND WOODS
Legal Lot Number	9,10
Jurisdiction	ST JOSEPH IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1037
Census Tract	11203

Owner

138 E Willow Dr is owned and occupied by an individual who bought it in June 2021.

Source: St. Joseph County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	138 E WILLOW DR, SOUTH BEND, IN 46637-3439
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Deed of Trust, Mortgage HUD
Jun 2, 2021	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL CO
Feb 1, 2021	Warranty Deed, Transfer · Commercial Mortgage FINANCE OF AMERICA MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2021 · Amount on File
Deed Sale	Jun 2, 2021 · Amount on File
Prior Sale	Feb 1, 2021 · Amount on File
Deed Document Number	202118192
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	138 E WILLOW DR, SOUTH BEND, IN 46637-3439
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002409239
Date	Apr 30, 2024
Instrument	2409239

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount on Record
Term	324 Months
Due	Jun 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jun 2, 2021
Property Address	138 E WILLOW DR, SOUTH BEND, IN 46637-3439
Document Number	0002118192
Map Reference	PB 12 PG 148
Instrument Date	May 24, 2021
Instrument	2118192
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 E WILLOW DR, SOUTH BEND, IN 46637-3439

Mortgage

Document Number	0002118193
Date	Jun 2, 2021
Instrument	2118193

Lender

Name	CARDINAL FINANCIAL CO

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Mortgage

Document Number	0002118194
Date	Jun 2, 2021
Instrument	2118194

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 1, 2031

Interest

Rate Type	Fixed Rate

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Feb 1, 2021
Property Address	138 E WILLOW DR, SOUTH BEND, IN 46637-3439
Document Number	0002103207
Map Reference	PB 12 PG 148
Instrument Date	Jan 21, 2021
Instrument	2103207
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Lis Pendens Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12704 12TH AVE SE, EVERETT, WA 98208-6552

Mortgage

Document Number	0002103208
Date	Feb 1, 2021
Instrument	2103208

Lender

Name	FINANCE OF AMERICA MORTGAGE

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 138 E Willow Dr was $1,968, up 18.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Indiana
County	St. Joseph County
County Subdivision	Clay Township
Municipality	Roseland Town
Unified School District	South Bend Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,968.00 (+18.41%)	$187,500 Land $50,500 Building $137,000	$187,500 Land $50,500 Building $137,000
2024	$1,662.00 (+8.7%)
2023	$1,529.00 (-10.79%)	$144,800 (-0.41%) Land $25,200 Building $119,600	$144,800 (-0.41%) Land $25,200 Building $119,600
2022	$1,714.00	$145,400 Land $25,200 Building $120,200	$145,400 Land $25,200 Building $120,200

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

Flood

FEMA maps place 138 E Willow Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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	5 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Feb 2018 · Severe Storms And Flooding

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

The area around 138 E Willow Dr 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	SOUTH BEND WATER WORKS serves 115,000 people · EPA ID IN5271014
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	5 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	1 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 246 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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