14531 Settlers Trl, Leo, IN 46765 Property Records

Allen County property record for 14531 Settlers Trl, Leo, IN 46765

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,953 sqft · built 2013
Lot Size	0.315 acres (13,728 sqft)
Owner	2 Individual Names on File
Last Sale	$431,674 (Jul 2026)
Tax Bill	$4,847 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-03-21-208-003.000-082`

Property Details

APN / Parcel Number

Primary APN	`02-03-21-208-003.000-082`
Alternative APN	`4351370255`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,953 sqft Living Area
Gross Area	6,187 sqft
1st Floor Area	1,751 sqft
Basement Area	1,751 sqft
Finished Basement	1,451 sqft
Unfinished Basement	300 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	13,728 sqft (0.315 acres)
Lot Dimensions	1,320 ft deep x 1,040 ft wide
Garage Type	Attached
Garage Area	934 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	14531 SETTLERS TRL
City	LEO
State	IN
Zip	46765-9361
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PIONEER VILLAGE SEC 5 LOT 255
Legal Subdivision	PIONEER VILLAGE
Legal Lot Number	255
Jurisdiction	ALLEN IN
Township / Civil Division	CEDAR CREEK
Census Block Group	2
Census Block	2006
Census Tract	10201

Owner

14531 Settlers Trl is owned and occupied by two individuals who bought it in July 2026.

Source: Allen County records, as of July 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	14531 SETTLERS TRL, LEO, IN 46765-9361
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Jul 14, 2026	Warranty Deed, Transfer · Conventional Mortgage THREE RIVERS FEDERAL CREDIT UNION
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2026 · Amount on File
Deed Sale	Jul 14, 2026 · Amount on File
Prior Sale	Jul 15, 2013 · Amount on File
Deed Document Number	202630821
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN IN
Recording Date	Jul 14, 2026
Property Address	14531 SETTLERS TRL, LEO, IN 46765-9361
Document Number	0000030821
Instrument Date	Jul 8, 2026
Instrument	202630821
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14531 SETTLERS TRL, LEO, IN 46765-9361

Mortgage

Document Number	0000030822,
Date	Jul 14, 2026
Instrument	202630822

Lender

Name	THREE RIVERS FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN IN
Property Address	14531 SETTLERS TRL, LEO, IN 46765-9361
Transaction Type	Mortgage
Record Updated	Aug 3, 2023
Title Company	CENTURION LAND TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021010959
Date	Feb 17, 2021
Instrument	2021010959

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 14531 Settlers Trl was $4,847 with a homeowner's exemption, up 4.2% from the year before.

Source: Allen County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Allen County
County Subdivision	Cedar Creek Township
Municipality	Leo-Cedarville Town
Unified School District	East Allen County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,847.00 (+4.19%)	$504,200 (+8.73%) Land $43,200 Building $461,000	$504,200 (+8.73%) Land $43,200 Building $461,000
2024	$4,652.00 (+6.19%)	$463,700 (+2.88%) Land $43,200 Building $420,500	$463,700 (+2.88%) Land $43,200 Building $420,500
2023	$4,381.00 (+8.98%)	$450,700 (+6.93%) Land $43,200 Building $407,500	$450,700 (+6.93%) Land $43,200 Building $407,500
2022	$4,020.00	$421,500 Land $43,200 Building $378,300	$421,500 Land $43,200 Building $378,300

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

Flood

FEMA maps place 14531 Settlers Trl in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective April 22, 2026 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1978–2026)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Apr 2026 · 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

Wildfire risk around 14531 Settlers Trl is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	PIONEER WATER L.L.C. private · serves 2,076 people · EPA ID IN5202034
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Lakeland Internet Fiber · Fixed Wireless	5,000 / 5,000
Xfinity Cable	1,200 / 35
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon, Watch TV.

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