200 E Lawrence St, Middlebury, IN 46540 Property Records

Elkhart County property record for 200 E Lawrence St, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,153 sqft · built 1880
Lot Size	0.192 acres (8,407 sqft)
Owner	Individual Name on Record
Tax Bill	$2,304 (2024)
Deeds & Mortgages	Apr 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-08-10-409-005.000-035`

Property Details

APN / Parcel Number

Primary APN	`20-08-10-409-005.000-035`
Alternative APN	`0810409005035`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,153 sqft Living Area
1st Floor Area	801 sqft
Upper Floors Area	352 sqft
Basement Area	224 sqft
Flooring	Subfloor

Exterior

Year Built	Built 1880
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	8,407 sqft (0.192 acres)
Lot Dimensions	112 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	258 sqft
Shed	1 Shed
Shed Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0810409005035
Old Parcel Number	0810409005035
Street Address	200 E LAWRENCE ST
City	MIDDLEBURY
State	IN
Zip	46540-8424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	ORIG S1/2 LOT 12 BLK 39 ORIG S1/2 LOT 13 BLK 39
Legal Subdivision	ORIG S1/2
Legal Block	39
Legal Lot Number	12,13
Jurisdiction	ELKHART IN
Township / Civil Division	MIDDLEBURY
Census Block Group	1
Census Block	1042
Census Tract	801

Owner

Source: Elkhart County records, as of March 5, 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 Record
Co-owner	Co-owner on Record
Mailing Address	200 E LAWRENCE ST, MIDDLEBURY, IN 46540-8424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 3, 2005
Transfer Doc	0200506205
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	200 E LAWRENCE ST, MIDDLEBURY, IN 46540-8424
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 E LAWRENCE ST, MIDDLEBURY, IN 46540-8424

Mortgage

Document Number	0000008809
Date	Apr 26, 2022
Instrument	2022-08809

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	RENO, NV 89501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	May 17, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Middlebury Township
Municipality	Middlebury Town
Unified School District	Middlebury Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$156,800 (+3.16%) Land $26,100 Building $130,700	$156,800 (+3.16%) Land $26,100 Building $130,700
2024	$2,304.00 (+28.14%)	$152,000 (+10.38%) Land $26,100 Building $125,900	$152,000 (+10.38%) Land $26,100 Building $125,900
2023		$137,700 (+15.23%) Land $26,100 Building $111,600	$137,700 (+15.23%) Land $26,100 Building $111,600
2022	$1,798.00 Homeowner's exemption	$119,500 Land $26,100 Building $93,400	$119,500 Land $26,100 Building $93,400

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 August 22, 2024 · 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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	4 (1993–2018)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Feb 2018 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Feb 2018 · 3 claims

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 80% of the US · above 73% of Indiana
Wildfire Likelihood	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	MIDDLEBURY WATER DEPARTMENT serves 3,420 people · EPA ID IN5220014
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 276 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, New Paris Telephone Company.

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