16824 Key Ct, Granger, IN 46530 Property Records

St. Joseph County property record for 16824 Key Ct, Granger, IN 46530

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,085 sqft · built 1988
Lot Size	0.338 acres (14,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$337,500 (Nov 2022)
Tax Bill	$3,290 (2024)
Deeds & Mortgages	Aug 2022 Mortgage Apr 2006 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`71-04-21-102-020.000-003`

Property Details

APN / Parcel Number

Primary APN	`71-04-21-102-020.000-003`
Alternative APN	`00220200429`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,085 sqft Living Area
Gross Area	4,806 sqft
1st Floor Area	4,170 sqft
Basement Area	2,085 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Roof Material	Asphalt
Lot Area	14,700 sqft (0.338 acres)
Lot Dimensions	150 ft deep x 98 ft wide
Garage Type	Attached
Garage Area	1,275 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	16824 KEY CT
City	GRANGER
State	IN
Zip	46530-9197
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 LOCKS ESTATES
Legal Subdivision	LOCKS ESTATES
Legal Lot Number	3
Jurisdiction	ST JOSEPH IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1001
Census Tract	11306

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	16824 KEY CT, GRANGER, IN 46530-9197
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage TEACHERS CU
Apr 21, 2006	Deed of Trust, Mortgage · Line of Credit KEY BANK NA
Nov 14, 2022	Warranty Deed, Transfer · Conventional Mortgage TEACHERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2022 · Amount on Record
Deed Sale	Nov 14, 2022 · Amount on Record
Prior Sale	Mar 18, 2013 · Amount on Record
Deed Document Number	202232523
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	16824 KEY CT, GRANGER, IN 46530-9197
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002222771
Date	Aug 3, 2022
Instrument	2222771

Lender

Name	TEACHERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	16824 KEY CT, GRANGER, IN 46530-9197
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000614986
Date	Apr 21, 2006
Instrument	0614986

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 15, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Nov 14, 2022
Property Address	16824 KEY CT, GRANGER, IN 46530-9197
Document Number	0002232523
Map Reference	IN 7819813
Instrument Date	Oct 31, 2022
Instrument	2232523
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	FIDELITY NATIONAL TITLE

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	16824 KEY CT, GRANGER, IN 46530-9197

Mortgage

Document Number	0002232524
Date	Nov 14, 2022
Instrument	2232524

Lender

Name	TEACHERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	7.13%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	7.13%
Max Rate At Change	9.13%
Index	1-Year CMT
Max Rate	12.1%

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	Clay Township
Unified School District	South Bend Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$375,400 (+23.08%) Land $52,800 Building $322,600	$375,400 (+23.08%) Land $52,800 Building $322,600
2024	$3,290.00 (-1.11%)
2023	$3,327.00 (-3.28%)	$305,000 (+6.16%) Land $52,800 Building $252,200	$305,000 (+6.16%) Land $52,800 Building $252,200
2022	$3,440.00 Homeowner's exemption	$287,300 Land $52,800 Building $234,500	$287,300 Land $52,800 Building $234,500

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 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	Low lower than 96% of the US · lower than 73% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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