1985 E 75 N, Warsaw, IN 46582 Property Records

Kosciusko County property record for 1985 E 75 N, Warsaw, IN 46582

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 2,324 sqft · built 1998
Lot Size	12.9 acres (564,102 sqft)
Owner	2 Individual Names on Record
Last Sale	$631,750 (May 2026)
Tax Bill	$4,821 (2025)
Deeds & Mortgages	Jul 2026 Sale Jan 2018 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`003-713009-37`

Property Details

APN / Parcel Number

Primary APN	`003-713009-37`
Alternative APNs	`43-11-10-100-049.000-031` `00000003053` `0371300937`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,324 sqft Living Area
1st Floor Area	2,324 sqft
Basement Area	2,302 sqft
Finished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	564,102 sqft (12.9 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	836 sqft
Parking Spaces	3 Parking Spaces
Pool Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00000003053
Street Address	1985 E 75 N
City	WARSAW
State	IN
Zip	46582-7382
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RESID
Legal Description	3-49-4 S PT E 1/2 NE 10-32-6 12.95A
Legal Range	6
Legal Township	32
Legal Section	10
Jurisdiction	KOSCIUSKO IN
Township / Civil Division	WAYNE
Census Block Group	2
Census Block	2028
Census Tract	962101

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	2 Individual Names on Record
Mailing Address	1859 E 75 N, WARSAW, IN 46582-7383
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jan 17, 2018	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
Feb 16, 2022	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
Jan 27, 2026	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
Jul 16, 2015	Deed of Trust, Mortgage · Line of Credit FARMERS STATE BANK
Feb 2, 2012	Deed of Trust, Mortgage · Conventional Mortgage FIRST FSB (ROCHESTER IN)
May 18, 2026	Warranty Deed, Transfer · Conventional Mortgage BEACON CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2026 · Amount on Record
Deed Sale	May 18, 2026 · Amount on Record
Prior Sale	Jul 29, 1998 · Amount on Record
Deed Document Number	202650594
Last Transfer Date	Jul 27, 2026
Transfer Doc	0000071074
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	Jul 28, 2026
Property Address	1985 E 75 N, WARSAW, IN 46582-7382
Document Number	0000071074
Instrument Date	Jul 27, 2026
Instrument	202671074
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1859 E 75 N, WARSAW, IN 46582-7383

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	1985 E 75 N, WARSAW, IN 46582-7382
Transaction Type	Mortgage
Record Updated	Jun 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018010532
Date	Jan 17, 2018
Instrument	2018010532

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 18, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	1985 E 75 N, WARSAW, IN 46582-7382
Transaction Type	Mortgage
Record Updated	Jun 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1985 E 75 N, WARSAW, IN 46582-7382

Mortgage

Document Number	2022020663
Date	Feb 16, 2022
Instrument	2022020663

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Feb 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	1985 E 75 N, WARSAW, IN 46582-7382
Transaction Type	Mortgage
Record Updated	Jun 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1985 E 75 N, WARSAW, IN 46582-7382

Mortgage

Document Number	2026010894
Date	Jan 27, 2026
Instrument	2026010894

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	204 Months
Due	Jan 9, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	1985 E 75 N, WARSAW, IN 46582-7382
Transaction Type	Mortgage
Record Updated	Jun 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2015070599
Date	Jul 16, 2015
Instrument	2015070599

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	MENTONE, IN 46539

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 20, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	1985 E 75 N, WARSAW, IN 46582-7382
Transaction Type	Mortgage
Record Updated	Jun 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012020113
Date	Feb 2, 2012
Instrument	2012020113

Lender

Name	FIRST FSB (ROCHESTER IN)
Type	Bank
Address	ROCHESTER, IN 46975

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2027

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	May 18, 2026
Property Address	1985 E 75 N, WARSAW, IN 46582-7382
Document Number	0000050594
Instrument Date	May 15, 2026
Instrument	2026.50594
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1985 E 75 N, WARSAW, IN 46582-7382

Mortgage

Document Number	0000050595,
Date	May 18, 2026
Instrument	2026.50595

Lender

Name	BEACON CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,821.00 (+1.43%) Homeowner's exemption	$557,500 (+6.74%) Land $61,200 Building $496,300	$557,500 (+6.74%) Land $61,200 Building $496,300
2024	$4,753.00 (-2.66%) Homeowner's exemption	$522,300 (+3.88%) Land $50,700 Building $471,600	$522,300 (+3.88%) Land $50,700 Building $471,600
2023	$4,883.00 (-4.16%)	$502,800 (+2.4%) Land $47,100 Building $455,700	$502,800 (+2.4%) Land $47,100 Building $455,700
2022	$5,095.00	$491,000 Land $43,400 Building $447,600	$491,000 Land $43,400 Building $447,600

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% 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 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Kosciusko Connect Fiber	1,000 / 1,000

May also be available: Verizon.

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