20949 Soft Wind Ct, South Bend, IN 46614 Property Records

St. Joseph County property record for 20949 Soft Wind Ct, South Bend, IN 46614

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,268 sqft · built 1988
Lot Size	0.564 acres (24,576 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,196 (2024)
Deeds & Mortgages	Oct 2020 Mortgage Jul 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`71-08-35-301-005.000-001`

Property Details

APN / Parcel Number

Primary APN	`71-08-35-301-005.000-001`
Alternative APN	`00111183694`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,268 sqft Living Area
Gross Area	3,524 sqft
1st Floor Area	4,488 sqft
Basement Area	2,220 sqft
Finished Basement	1,660 sqft
Unfinished Basement	560 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Block
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	24,576 sqft (0.564 acres)
Lot Dimensions	147 ft deep x 169 ft wide
Garage Type	Attached
Garage Area	1,395 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	20949 SOFT WIND CT
City	SOUTH BEND
State	IN
Zip	46614-5180
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 65 WHISPERING HILLS SO SEC SIX
Legal Subdivision	WHISPERING HILLS SO
Legal Lot Number	65
Jurisdiction	ST JOSEPH IN
Township / Civil Division	CENTRE
Census Block Group	1
Census Block	1015
Census Tract	11801

Owner

Source: St. Joseph County records, as of April 2, 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	2 Individual Names on Record
Mailing Address	20949 SOFT WIND CT, SOUTH BEND, IN 46614-5180
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE
Jul 17, 2023	Transfer on Death Deed, Transfer FIDELITY NATIONAL TITLE
Jul 17, 2023	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
May 16, 2022	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL CO
Jul 5, 2017	Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2023
Deed Sale	Jul 17, 2023
Prior Sale	May 16, 2022 · Amount on Record
Deed Document Number	202315946
Prior Transfer Date	Jun 23, 2023
Prior Transfer Doc	0000015947
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	20949 SOFT WIND CT, SOUTH BEND, IN 46614-5180
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0002033710
Date	Oct 29, 2020
Instrument	2033710

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Nov 1, 2043

Interest

Rate Type	Fixed Rate

July 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jul 17, 2023
Property Address	20949 SOFT WIND CT, SOUTH BEND, IN 46614-5180
Document Number	0002315947
Map Reference	DOC 8903237
Instrument Date	Jun 23, 2023
Instrument	2315947
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	20949 SOFT WIND CT, SOUTH BEND, IN 46614-5180

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jul 17, 2023
Property Address	20949 SOFT WIND CT, SOUTH BEND, IN 46614-5180
Document Number	0002315946
Map Reference	DOC 8903237
Instrument Date	Jun 23, 2023
Instrument	2315946
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants with Right of Survivorship
Address	20949 SOFT WIND CT, SOUTH BEND, IN 46614-5180

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	May 16, 2022
Property Address	20949 SOFT WIND CT, SOUTH BEND, IN 46614-5180
Document Number	0002214180
Map Reference	DOC 8903237
Instrument Date	May 6, 2022
Instrument	2214180
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	METROPLITAN TITLE, METROPOLITAN TITLE

Transaction

Amount	Amount Recorded
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	20949 SOFT WIND CT, SOUTH BEND, IN 46614-5180

Mortgage

Document Number	0002214181
Date	May 16, 2022
Instrument	2214181

Lender

Name	CARDINAL FINANCIAL CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jul 5, 2017
Property Address	20949 SOFT WIND CT, SOUTH BEND, IN 46614-5180
Document Number	0001717068
Map Reference	DOC8903237
Instrument Date	Jun 20, 2017
Instrument	1717068
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20949 SOFT WIND CT, SOUTH BEND, IN 46614-5180
Investor	Possibly a Property Investor

Mortgage

Document Number	0001717069
Date	Jul 5, 2017
Instrument	1717069

Lender

Name	FREEDOM MORTGAGE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of March 11, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	St. Joseph County
County Subdivision	Centre Township
Unified School District	South Bend Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$474,200 (+27.44%) Land $59,600 Building $414,600	$474,200 (+27.44%) Land $59,600 Building $414,600
2024	$5,196.00 (+15.21%)
2023	$4,510.00 (+7.08%)	$372,100 (+7.98%) Land $59,600 Building $312,500	$372,100 (+7.98%) Land $59,600 Building $312,500
2022	$4,212.00 (+23.09%) Homeowner's exemption	$344,600 Land $59,600 Building $285,000	$344,600 Land $59,600 Building $285,000
2021	$3,422.00

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 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	5 in force
Nearby Flood Claims	2 (1981–1996)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 1996 · river or lake flooding

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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Fourway Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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