18890 Apache Dr, South Bend, IN 46637 Property Records

St. Joseph County property record for 18890 Apache Dr, South Bend, IN 46637

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,447 sqft · built 1960
Lot Size	0.397 acres (17,290 sqft)
Owner	Individual Name on File
Last Sale	$112,500 (Jun 2006)
Tax Bill	$2,574 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`71-04-30-103-001.000-003`

Property Details

APN / Parcel Number

Primary APN	`71-04-30-103-001.000-003`
Alternative APN	`0021020042745`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,447 sqft Living Area
Gross Area	2,318 sqft
1st Floor Area	2,318 sqft
Basement Area	871 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	17,290 sqft (0.397 acres)
Lot Dimensions	130 ft deep x 133 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Street Address	18890 APACHE DR
City	SOUTH BEND
State	IN
Zip	46637-4501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 37 RANCH ACRES SEC.30-38-3E
Legal Range	3E
Legal Township	38
Legal Section	30
Legal Subdivision	RANCH ACRES
Legal Lot Number	37
Jurisdiction	ST JOSEPH IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3011
Census Tract	11307

Owner

18890 Apache Dr is owned and occupied by an individual who bought it in June 2006.

Source: St. Joseph County records, as of June 2, 2026

Owner of Record	Individual Name on File
Mailing Address	18890 APACHE DR, SOUTH BEND, IN 46637-4501
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2006 · Amount on File
Deed Sale	Jun 20, 2006 · Amount on File
Deed Document Number	200626041
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	18890 APACHE DR, SOUTH BEND, IN 46637-4501
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	METROPLITAN TITLE, METROPOLITAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002039270
Date	Dec 16, 2020
Instrument	2039270

Lender

Name	FIRST FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	192 Months
Due	Jan 1, 2036

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 18890 Apache Dr was $2,574 with a homeowner's exemption, up 11% from the year before.

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	$2,574.00 (+11.04%)	$271,300 Land $78,600 Building $192,700	$271,300 Land $78,600 Building $192,700
2024	$2,318.00 (+23.76%)
2023	$1,873.00 (-4.44%)	$191,000 (+1.76%) Land $78,700 Building $112,300	$191,000 (+1.76%) Land $78,700 Building $112,300
2022	$1,960.00	$187,700 Land $78,700 Building $109,000	$187,700 Land $78,700 Building $109,000

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

Flood

FEMA maps place 18890 Apache Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 15, 2015 · 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	1 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

Wildfire risk around 18890 Apache Dr 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 98% of the US · lower than 85% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTH BEND WATER WORKS serves 115,000 people · EPA ID IN5271014
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	5 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	1 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 309 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Surf Internet.

Cell Coverage

5G (outdoors only) and 4G LTE

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