18 Ems C19A Ln, Warsaw, IN 46582 Property Records

Kosciusko County property record for 18 Ems C19A Ln, Warsaw, IN 46582

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,920 sqft · built 1961
Lot Size	0.295 acres (12,840 sqft)
Owner	Individual Name on Record
Last Sale	$316,000 (May 2020)
Tax Bill	$2,733 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2018 Mortgage + 9 more
Flood Zone	Zone A (high risk)
APN	`029-715000-31`

Property Details

APN / Parcel Number

Primary APN	`029-715000-31`
Alternative APNs	`43-07-26-200-491.000-016` `00000049511` `2971500031`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,920 sqft Living Area
1st Floor Area	1,920 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2000
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	12,840 sqft (0.295 acres)
Lot Dimensions	120 ft deep x 107 ft wide
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	00000049511
Street Address	18 EMS C19A LN
City	WARSAW
State	IN
Zip	46582-9192
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESID
Legal Description	29-104-91 LOTS 29 & 30 ROSNAGLE-CAMDEN ADD ARROWHEAD PARK
Legal Range	6
Legal Township	33
Legal Section	26
Legal Subdivision	ARROWHEAD PARK
Legal Lot Number	29-30
Jurisdiction	KOSCIUSKO IN
Township / Civil Division	PLAIN
Census Block Group	1
Census Block	1004
Census Tract	961700

Owner

Source: Kosciusko 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	18 EMS C19A LN, WARSAW, IN 46582-9192
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Mar 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL BANK FSB
Apr 23, 2019	Deed of Trust, Mortgage · Line of Credit MUTUAL BANK FSB
Feb 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL BANK FSB
Jun 25, 2018	Deed of Trust, Mortgage · Line of Credit MUTUAL BANK FSB
Dec 10, 2021	Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BANK
May 3, 2023	Intrafamily Transfer, Transfer
May 19, 2020	Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC
Jul 17, 2018	Deed, Transfer NORTH AMERICAN TITLE COMPANY
Jul 5, 2017	Warranty Deed, Transfer
May 24, 2017	Warranty Deed, Transfer · Conventional Mortgage MUTUAL BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2020 · Amount on Record
Deed Sale	May 19, 2020 · Amount on Record
Prior Sale	May 24, 2017 · Amount on Record
Deed Document Number	202050688
Last Transfer Date	Apr 17, 2023
Transfer Doc	2023050117
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Recording Date	Jul 28, 2026
Property Address	18 EMS C19A LN, WARSAW, IN 46582-9192
Document Number	0000071061
Instrument Date	Jul 20, 2026
Instrument	202671061
Transaction Type	Mortgage
Record Updated	Aug 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 EMS C19A LN, WARSAW, IN 46582-9192

Mortgage

Document Number	0000071061,
Date	Jul 28, 2026
Instrument	202671061

Lender

Name	NORTHWEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 23, 2036

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	18 EMS C19A LN, WARSAW, IN 46582-9192
Transaction Type	Mortgage
Record Updated	Jun 9, 2023
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018030181
Date	Mar 6, 2018
Instrument	2018030181

Lender

Name	MUTUAL BANK FSB
Type	Bank
Address	MUNCIE, IN 47305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2033

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	18 EMS C19A LN, WARSAW, IN 46582-9192
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019040915
Date	Apr 23, 2019
Instrument	2019040915

Lender

Name	MUTUAL BANK FSB
Type	Bank
Address	WARSAW, IN 46582

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 17, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	18 EMS C19A LN, WARSAW, IN 46582-9192
Transaction Type	Mortgage
Record Updated	Jun 9, 2023
Title Company	NORTH AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019021020
Date	Feb 27, 2019
Instrument	2019021020

Lender

Name	MUTUAL BANK FSB
Type	Bank
Address	MUNCIE, IN 47305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2034

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	18 EMS C19A LN, WARSAW, IN 46582-9192
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018061157
Date	Jun 25, 2018
Instrument	2018061157

Lender

Name	MUTUAL BANK FSB
Type	Bank
Address	WARSAW, IN 46582

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	242 Months
Due	Aug 11, 2038

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	18 EMS C19A LN, WARSAW, IN 46582-9192
Transaction Type	Mortgage
Record Updated	Jun 9, 2023
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021120694
Date	Dec 10, 2021
Instrument	2021120694

Lender

Name	MAGNOLIA BANK
Type	Bank
Address	72748

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KOSCIUSKO IN
Recording Date	May 3, 2023
Property Address	18 EMS C19A LN, WARSAW, IN 46582-9192
Document Number	2023050117
Map Reference	MB 4 PG 156
Instrument Date	Apr 17, 2023
Instrument	2023050117
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18 EMS C19A LN, WARSAW, IN 46582-9192

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 EMS C19A LN, WARSAW, IN 46582-9192

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	May 19, 2020
Property Address	18 EMS C19A LN, WARSAW, IN 46582-9192
Document Number	2020050688
Map Reference	MB 4 PG 256
Instrument Date	May 15, 2020
Instrument	2020050688
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 EMS C19A LN, WARSAW, IN 46582-9192

Mortgage

Document Number	2020050689
Date	May 19, 2020
Instrument	2020050689

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	Jul 17, 2018
Property Address	18 EMS C19A LN, WARSAW, IN 46582-9192
Document Number	2018070697
Map Reference	MB4 PG156
Instrument Date	Jul 13, 2018
Instrument	2018070697
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	18 EMS C19A LN, WARSAW, IN 46582-9192

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	Jul 5, 2017
Property Address	18 EMS C19A LN, WARSAW, IN 46582-9192
Document Number	2017070283
Instrument	2017070283
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 EMS LN, WARSAW, IN 46582

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	May 24, 2017
Property Address	18 EMS C19A LN, WARSAW, IN 46582-9192
Document Number	2017051041
Instrument Date	May 22, 2017
Instrument	2017051041
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 EMS C19A LN, WARSAW, IN 46582-9192

Mortgage

Document Number	2017051042
Date	May 24, 2017
Instrument	2017051042

Lender

Name	MUTUAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

Source: Kosciusko County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Kosciusko County
County Subdivision	Plain Township
Unified School District	Warsaw Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,733.00 (+8.84%) Homeowner's exemption	$493,400 (+25.9%) Land $152,500 Building $340,900	$493,400 (+25.9%) Land $152,500 Building $340,900
2024	$2,511.00 (+9.89%) Homeowner's exemption	$391,900 (+6.32%) Land $105,400 Building $286,500	$391,900 (+6.32%) Land $105,400 Building $286,500
2023	$2,285.00 (+11.9%)	$368,600 (+15.62%) Land $99,000 Building $269,600	$368,600 (+15.62%) Land $99,000 Building $269,600
2022	$2,042.00	$318,800 Land $88,300 Building $230,500	$318,800 Land $88,300 Building $230,500

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 September 29, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	11 (1981–2013)
Most Recent Claim	Aug 2013 · 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

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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Kosciusko Connect, Xfinity.

Nearby Properties on Ems C19A Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures