140 Joyce Ct, Elkhart, IN 46516 Property Records

Elkhart County property record for 140 Joyce Ct, Elkhart, IN 46516

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 888 sqft · built 1951
Lot Size	0.113 acres (4,922 sqft)
Owner	2 Individual Names on Record
Last Sale	$196,326 (Sep 2026)
Tax Bill	$1,913 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`20-06-03-203-008.000-012`

Property Details

APN / Parcel Number

Primary APN	`20-06-03-203-008.000-012`
Alternative APN	`0603203008012`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	888 sqft Living Area
1st Floor Area	888 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1957
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,922 sqft (0.113 acres)
Lot Dimensions	91 ft deep x 54 ft wide

Exterior Amenities

Porch	Open Frame Porch
Porch Area	96 sqft
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	140 JOYCE CT
City	ELKHART
State	IN
Zip	46516-5048
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MARY LEES ADD LOT 6
Legal Subdivision	MARY LEES ADD
Legal Block	203
Legal Lot Number	6
Jurisdiction	ELKHART IN
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3019
Census Tract	2900

Owner

Source: Elkhart County records, as of September 22, 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	140 JOYCE CT, ELKHART, IN 46516-5048
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE
Oct 7, 2020	Loan Modification, Mortgage FIRST SOURCE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2026 · Amount on Record
Deed Sale	Sep 2, 2026 · Amount on Record
Prior Sale	Sep 27, 2005 · Amount on Record
Deed Document Number	202616595
Prior Transfer Date	Apr 29, 2003
Prior Transfer Doc	0000019435
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Sep 2, 2026
Property Address	140 JOYCE CT, ELKHART, IN 46516-5048
Document Number	0000016595
Instrument Date	Aug 18, 2026
Instrument	202616595
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 JOYCE CT, ELKHART, IN 46516-5048

Mortgage

Document Number	0000016596,
Date	Sep 2, 2026
Instrument	202616596

Lender

Name	RUOFF MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0000016597,
Date	Sep 2, 2026
Instrument	202616597

Lender

Name	RUOFF MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2036

Interest

Max Rate	-1%

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ELKHART IN
Property Address	140 JOYCE CT, ELKHART, IN 46516-5048
Document Number	0000024170
Instrument Date	Oct 7, 2020
Transaction Type	Mortgage
Record Updated	Nov 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1326 FREDA DR ELKHART IN 465145463, ELKHART, IN 46514-5463

Mortgage

Document Number	0000024170
Date	Oct 15, 2020
Instrument	24170

Lender

Name	FIRST SOURCE BK
Type	Bank
Address	SOUTH BEND, IN 46601

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Oct 14, 2025

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Concord 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	$1,913.00 (+40.25%)	$94,000 (+40.93%) Land $7,200 Building $86,800	$94,000 (+40.93%) Land $7,200 Building $86,800
2024	$1,364.00 (+6.07%)	$66,700 (+6.21%) Land $7,200 Building $59,500	$66,700 (+6.21%) Land $7,200 Building $59,500
2023		$62,800 (-) Land $7,200 Building $55,600	$62,800 (-) Land $7,200 Building $55,600
2022	$1,286.00	$62,800 Land $7,200 Building $55,600	$62,800 Land $7,200 Building $55,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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.

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 339 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
Surf Internet Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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