18960 Apache Dr, South Bend, IN 46637 Property Records

St. Joseph County property record for 18960 Apache Dr, South Bend, IN 46637

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,840 sqft · built 1969
Lot Size	0.461 acres (20,072 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Nov 2022)
Tax Bill	$3,087 (2025)
Deeds & Mortgages	Jul 2025 Line of Credit Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`71-04-30-102-001.000-003`

Property Details

APN / Parcel Number

Primary APN	`71-04-30-102-001.000-003`
Alternative APN	`0021020042743`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,840 sqft Living Area
Gross Area	4,186 sqft
1st Floor Area	3,680 sqft
Basement Area	1,840 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Block Painted
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	20,072 sqft (0.461 acres)
Lot Dimensions	193 ft deep x 104 ft wide
Garage Type	Attached
Garage Area	1,015 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Street Address	18960 APACHE DR
City	SOUTH BEND
State	IN
Zip	46637-4503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 35 RANCH ACRES SEC.30-38-3E
Legal Range	3E
Legal Township	38
Legal Section	30
Legal Subdivision	RANCH ACRES
Legal Lot Number	35
Jurisdiction	ST JOSEPH IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3007
Census Tract	11307

Owner

18960 Apache Dr is owned and occupied by an individual who bought it in November 2022.

Source: St. Joseph County records, as of October 15, 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	Individual Name on File
Mailing Address	18960 APACHE DR, SOUTH BEND, IN 46637-4503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2025	Deed of Trust, Mortgage · Line of Credit NOTRE DAME FCU
Nov 10, 2022	Deed, Transfer · Conventional Mortgage JP MORGAN CHASE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2022 · Amount on File
Deed Sale	Nov 10, 2022 · Amount on File
Prior Sale	Jul 22, 2013 · Amount on File
Deed Document Number	202232420
Prior Transfer Date	Jul 16, 2013
Prior Transfer Doc	0000022080
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	18960 APACHE DR, SOUTH BEND, IN 46637-4503
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002516806
Date	Jul 14, 2025
Instrument	2516806

Lender

Name	NOTRE DAME FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2055

Interest

Rate Type	Adjustable Rate

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Nov 10, 2022
Property Address	18960 APACHE DR, SOUTH BEND, IN 46637-4503
Document Number	0002232420
Map Reference	PB 20 PG R
Instrument Date	Oct 27, 2022
Instrument	2232420
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
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	18960 APACHE DR, SOUTH BEND, IN 46637-4503

Mortgage

Document Number	0002232421
Date	Nov 10, 2022
Instrument	2232421

Lender

Name	JP MORGAN CHASE BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	8%
Index	Other
Max Rate	11%

Tax Assessment & Valuation

The 2025 property tax bill for 18960 Apache Dr was $3,087, up 9.8% 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	$3,087.00 (+9.78%)	$317,300 Land $69,000 Building $248,300	$317,300 Land $69,000 Building $248,300
2024	$2,812.00 (+1.59%)
2023	$2,768.00 (+3.32%)	$260,400 (+11.42%) Land $68,900 Building $191,500	$260,400 (+11.42%) Land $68,900 Building $191,500
2022	$2,679.00	$233,700 Land $68,900 Building $164,800	$233,700 Land $68,900 Building $164,800

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

Flood

FEMA maps place 18960 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 18960 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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