1518 E 3rd St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 1518 E 3rd St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,240 sqft · built 1922
Lot Size	0.149 acres (6,486 sqft)
Owner	Individual Name on Record
Last Sale	$231,066 (Sep 2026)
Tax Bill	$1,077 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-14-152-020.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-14-152-020.000-023`
Alternative APN	`01610552336`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,240 sqft Living Area
Gross Area	2,876 sqft
1st Floor Area	1,916 sqft
Basement Area	676 sqft
Family Room	Family Room

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	6,486 sqft (0.149 acres)
Lot Dimensions	141 ft deep x 46 ft wide
Garage Type	Attached
Garage Area	1,925 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1518 E 3RD ST
City	MISHAWAKA
State	IN
Zip	46544-2932
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 75 BYRKITS 2ND PLAT
Legal Subdivision	BYRKITS 2ND PLAT
Legal Lot Number	75
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	3
Census Block	3017
Census Tract	10400

Owner

Source: St. Joseph 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	1518 E 3RD ST, MISHAWAKA, IN 46544-2932
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL
Jan 7, 2021	Deed of Trust, Mortgage · VA Mortgage EMBRACE HOME LOANS INC
Mar 20, 2020	Deed of Trust, Mortgage · VA Mortgage EMBRACE HOME LOANS INC
Apr 19, 2018	Deed of Trust, Mortgage · VA Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2026 · Amount on Record
Deed Sale	Sep 23, 2026 · Amount on Record
Deed Document Number	202625493
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Sep 23, 2026
Property Address	1518 E 3RD ST, MISHAWAKA, IN 46544-2932
Document Number	0000025493
Instrument Date	Sep 11, 2026
Instrument	202625493
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	ACUITY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1518 E 3RD ST, MISHAWAKA, IN 46544-2932

Mortgage

Document Number	0000025494,
Date	Sep 23, 2026
Instrument	202625494

Lender

Name	CARDINAL FINANCIAL

Agreement

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

Interest

Max Rate	-1%

Mortgage

Document Number	0000025495,
Date	Sep 23, 2026
Instrument	202625495

Lender

Name	CARDINAL FINANCIAL

Agreement

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

Interest

Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	1518 E 3RD ST, MISHAWAKA, IN 46544-2932
Transaction Type	Mortgage
Record Updated	Feb 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2100496
Date	Jan 7, 2021
Instrument	2100496

Lender

Name	EMBRACE HOME LOANS INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	132 Months
Due	Jan 1, 2031

Interest

Rate Type	Fixed Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	1518 E 3RD ST, MISHAWAKA, IN 46544-2932
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2007669
Date	Mar 20, 2020
Instrument	2007669

Lender

Name	EMBRACE HOME LOANS INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 1, 2030

Interest

Rate Type	Fixed Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	1518 E 3RD ST, MISHAWAKA, IN 46544-2932
Transaction Type	Mortgage
Record Updated	May 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1809072
Date	Apr 19, 2018
Instrument	1809072

Lender

Name	EMBRACE HOME LOANS INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2028

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	$1,077.00 (+1,123.86%)	$169,100 (+56.28%) Land $24,000 Building $145,100	$169,100 (+56.28%) Land $24,000 Building $145,100
2024	$88.00
2023		$108,200 (-13.23%) Land $20,500 Building $87,700	$108,200 (-13.23%) Land $20,500 Building $87,700
2022	$464.00	$124,700 Land $23,900 Building $100,800	$124,700 Land $23,900 Building $100,800

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 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 257 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Fourway.

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