201 E 16th St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 201 E 16th St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 676 sqft · built 1946
Lot Size	0.116 acres (5,084 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Jun 2021)
Tax Bill	$941 (2024)
Deeds & Mortgages	Nov 2023 Line of Credit Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-21-278-009.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-21-278-009.000-023`
Alternative APN	`01611606449`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	676 sqft Living Area
Basement Area	676 sqft

Exterior

Year Built	Built 1946
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	5,084 sqft (0.116 acres)
Lot Dimensions	124 ft deep x 41 ft wide
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01611606449
Street Address	201 E 16TH ST
City	MISHAWAKA
State	IN
Zip	46544-5304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 OLIVER SMITHS ADD
Legal Subdivision	OLIVER SMITHS ADD
Legal Lot Number	17
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	2
Census Block	2016
Census Tract	10300

Owner

201 E 16th St is owned and occupied by an individual who bought it in June 2021.

Source: St. Joseph County records, as of March 6, 2026

Owner of Record	Individual Name on File
Mailing Address	201 E 16TH ST, MISHAWAKA, IN 46544-5304
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

Date	Document
Nov 21, 2023	Deed of Trust, Mortgage · Line of Credit FIRST SOURCE BANK
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage NOTRE DAME FCU
Oct 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage INDIANA HSG & COMMUNITY DEV
Jun 10, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST SOURCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2021 · Amount on File
Deed Sale	Jun 10, 2021 · Amount on File
Deed Document Number	0002119529
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	201 E 16TH ST, MISHAWAKA, IN 46544-5304
Transaction Type	Mortgage
Record Updated	Dec 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002327445
Date	Nov 21, 2023
Instrument	2327445

Lender

Name	FIRST SOURCE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	204 Months
Due	Dec 16, 2040

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	201 E 16TH ST, MISHAWAKA, IN 46544-5304
Transaction Type	Mortgage
Record Updated	Feb 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002031219
Date	Oct 13, 2020
Instrument	2031219

Lender

Name	NOTRE DAME FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2050

Interest

Rate Type	Adjustable Rate

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	201 E 16TH ST, MISHAWAKA, IN 46544-5304
Transaction Type	Mortgage
Record Updated	Feb 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002230335
Date	Oct 19, 2022
Instrument	2230335

Lender

Name	INDIANA HSG & COMMUNITY DEV
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jun 10, 2021
Property Address	201 E 16TH ST, MISHAWAKA, IN 46544-5304
Document Number	0002119529
Map Reference	PB 15 PG 5
Instrument Date	Jun 4, 2021
Instrument	2119529
Transaction Type	Transfer
Record Updated	Feb 14, 2023
Title Company	NEAR NORTH TITLE GROUP

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	201 E 16TH ST, MISHAWAKA, IN 46544-5304

Mortgage

Document Number	0002119530
Date	Jun 10, 2021
Instrument	2119530

Lender

Name	FIRST SOURCE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	St. Joseph County
County Subdivision	Penn Township
Municipality	Mishawaka City
Unified School District	Mishawaka School City (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$126,300 Land $21,800 Building $104,500	$126,300 Land $21,800 Building $104,500
2024	$941.00 (-9.78%)
2023	$1,043.00 (-2.89%)	$96,000 (-) Land $21,800 Building $74,200	$96,000 (-) Land $21,800 Building $74,200
2022	$1,074.00	$96,000 Land $21,800 Building $74,200	$96,000 Land $21,800 Building $74,200

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

Flood

FEMA maps place 201 E 16th St 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	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

The area around 201 E 16th St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	MISHAWAKA UTILITIES serves 49,675 people · EPA ID IN5271009
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	7 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 415 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Mercury Fiber, Verizon.

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