204 Eugene Dr, Middlebury, IN 46540 Property Records

Elkhart County property record for 204 Eugene Dr, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,764 sqft · built 1984
Lot Size	0.301 acres (13,155 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Jan 2016)
Tax Bill	$3,051 (2024)
Deeds & Mortgages	May 2017 Mortgage Nov 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-08-10-453-015.000-035`

Property Details

APN / Parcel Number

Primary APN	`20-08-10-453-015.000-035`
Alternative APN	`0810453015035`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,764 sqft Living Area
1st Floor Area	1,872 sqft
Basement Area	1,436 sqft
Family Room	Family Room
Game Room	Game Room
Flooring	Subfloor
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	13,155 sqft (0.301 acres)
Lot Dimensions	155 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0810453015035
Old Parcel Number	0810453015035
Street Address	204 EUGENE DR
City	MIDDLEBURY
State	IN
Zip	46540-8404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	MILL RACE MANOR SD EX PT WEST SIDE LOT 5
Legal Subdivision	MILL RACE MANOR
Legal Block	453
Legal Lot Number	5
Jurisdiction	ELKHART IN
Township / Civil Division	MIDDLEBURY
Census Block Group	2
Census Block	2009
Census Tract	801

Owner

Source: Elkhart County records, as of March 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	204 EUGENE DR, MIDDLEBURY, IN 46540-8404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2017	Deed of Trust, Mortgage LAKE CITY BANK
Nov 15, 2019	Deed of Trust, Mortgage · Line of Credit 1ST SOURCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2016 · Amount on Record
Deed Sale	Jan 25, 2016 · Amount on Record
Deed Document Number	0000001267
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	204 EUGENE DR, MIDDLEBURY, IN 46540-8404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010662
Date	May 26, 2017
Instrument	2017-10662

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46581

Agreement

Amount	Amount Recorded
Term	300 Months
Due	May 22, 2042

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	204 EUGENE DR, MIDDLEBURY, IN 46540-8404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023999
Date	Nov 15, 2019
Instrument	2019-23999

Lender

Name	1ST SOURCE BANK
Type	Bank
Address	MIDDLEBURY, IN 46540

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	205 Months
Due	Dec 1, 2036

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		$320,200 (+4.91%) Land $31,200 Building $289,000	$320,200 (+4.91%) Land $31,200 Building $289,000
2024	$3,051.00 (+24.79%)	$305,200 (+11.47%) Land $31,200 Building $274,000	$305,200 (+11.47%) Land $31,200 Building $274,000
2023		$273,800 (+12.72%) Land $31,200 Building $242,600	$273,800 (+12.72%) Land $31,200 Building $242,600
2022	$2,445.00 Homeowner's exemption	$242,900 Land $31,200 Building $211,700	$242,900 Land $31,200 Building $211,700

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 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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