203 Eugene Dr, Middlebury, IN 46540 Property Records

Elkhart County property record for 203 Eugene Dr, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,316 sqft · built 1989
Lot Size	0.361 acres (15,725 sqft)
Owner	2 Individual Names on Record
Last Sale	$217,049 (Aug 2026)
Tax Bill	$2,945 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2019 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`20-08-10-452-050.000-035`

Property Details

APN / Parcel Number

Primary APN	`20-08-10-452-050.000-035`
Alternative APN	`0810452050035`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,316 sqft Living Area
Gross Area	3,920 sqft
1st Floor Area	1,548 sqft
Basement Area	1,536 sqft
Finished Basement	768 sqft
Unfinished Basement	768 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,725 sqft (0.361 acres)
Lot Dimensions	125 ft deep x 113 ft wide
View / Lot	Extra Front
Garage Type	Attached
Garage Area	836 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	175 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	203 EUGENE DR
City	MIDDLEBURY
State	IN
Zip	46540-8405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	MILL RACE MANOR LOT 9 EX W PT
Legal Subdivision	MILL RACE MANOR
Legal Block	452
Legal Lot Number	9
Jurisdiction	ELKHART IN
Township / Civil Division	MIDDLEBURY
Census Block Group	2
Census Block	2009
Census Tract	801

Owner

Source: Elkhart County records, as of September 1, 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	203 EUGENE DR, MIDDLEBURY, IN 46540-8405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2026	Warranty Deed, Transfer · Conventional Mortgage FEDERAL SAVINGS BANK
Sep 17, 2019	Trustee's Deed, Construction Loan · Construction Mortgage FIRST ST BK/MIDDLEBURY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2026 · Amount on Record
Deed Sale	Aug 11, 2026 · Amount on Record
Prior Sale	Aug 25, 2011 · Amount on Record
Deed Document Number	202614894
Prior Transfer Date	Nov 13, 2001
Prior Transfer Doc	0000037142
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Aug 11, 2026
Property Address	203 EUGENE DR, MIDDLEBURY, IN 46540-8405
Document Number	0000014894
Instrument Date	Aug 6, 2026
Instrument	202614894
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	METROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 EUGENE DR, MIDDLEBURY, IN 46540-8405

Mortgage

Document Number	0000014895,
Date	Aug 11, 2026
Instrument	202614895

Lender

Name	FEDERAL SAVINGS BANK

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ELKHART IN
Recording Date	Sep 17, 2019
Property Address	203 EUGENE DR, MIDDLEBURY, IN 46540-8405
Instrument Date	Sep 12, 2019
Instrument	19152
Transaction Type	Construction Loan
Record Updated	Sep 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	203 EUGENE DR MIDDLEBURY IN 465408405, MIDDLEBURY, IN 46540-8405

Mortgage

Document Number	0000019152
Date	Sep 17, 2019
Instrument	19152

Lender

Name	FIRST ST BK/MIDDLEBURY
Type	Bank
Address	MIDDLEBURY, IN 46540

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 16, 2020

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of December 29, 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	$2,945.00 (-5.58%) Homeowner's exemption	$324,500 (+4.01%) Land $33,700 Building $290,800	$324,500 (+4.01%) Land $33,700 Building $290,800
2024	$3,119.00 (+26.12%)	$312,000 (+11.11%) Land $33,700 Building $278,300	$312,000 (+11.11%) Land $33,700 Building $278,300
2023		$280,800 (+15.56%) Land $33,700 Building $247,100	$280,800 (+15.56%) Land $33,700 Building $247,100
2022	$2,473.00 Homeowner's exemption	$243,000 Land $33,700 Building $209,300	$243,000 Land $33,700 Building $209,300

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
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

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 188 locations within half a mile, as of December 31, 2025

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

May also be available: Frontier, Mercury Fiber, New Paris Telephone Company.

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