220 E Emerald St, Elkhart, IN 46514 Property Records

Elkhart County property record for 220 E Emerald St, Elkhart, IN 46514

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,141 sqft · built 1947
Lot Size	0.122 acres (5,314 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Mar 2018)
Tax Bill	$1,074 (2024)
Deeds & Mortgages	Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-02-32-402-009.000-027`

Property Details

APN / Parcel Number

Primary APN	`20-02-32-402-009.000-027`
Alternative APN	`0232402009027`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,141 sqft Living Area
Gross Area	1,381 sqft
1st Floor Area	1,141 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1953
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,314 sqft (0.122 acres)
Lot Dimensions	90 ft deep x 59 ft wide
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	314 sqft
Porch	Open Frame Porch
Porch Area	36 sqft
Shed	1 Shed
Shed Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	220 E EMERALD ST
City	ELKHART
State	IN
Zip	46514-3242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	CHRISTIANA PL W 34.50FT LOT 148 24.92FT E SIDE LOT 147
Legal Subdivision	CHRISTIANA PLACE
Legal Block	402
Legal Lot Number	148,1
Jurisdiction	ELKHART IN
Township / Civil Division	OSOLO
Census Block Group	2
Census Block	2021
Census Tract	1601

Owner

Source: Elkhart County records, as of June 2, 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	220 E EMERALD ST, ELKHART, IN 46514-3242
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2018 · Amount on Record
Deed Sale	Mar 22, 2018 · Amount on Record
Prior Sale	Mar 22, 2018 · Amount on Record
Deed Document Number	20185711
Record Updated	Oct 29, 2026

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Mar 22, 2018
Property Address	220 E EMERALD ST, ELKHART, IN 46514-3242
Document Number	0000005711
Map Reference	MB2 PG113
Instrument Date	Mar 5, 2018
Instrument	2018-05711
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 E EMERALD ST, ELKHART, IN 46514-3242

Mortgage

Document Number	0000005712
Date	Mar 22, 2018
Instrument	2018-05712

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Osolo Township
Municipality	Elkhart City
Unified School District	Elkhart Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$108,200 (+5.05%) Land $11,000 Building $97,200	$108,200 (+5.05%) Land $11,000 Building $97,200
2024	$1,074.00 (+35.44%)	$103,000 (+11.59%) Land $11,000 Building $92,000	$103,000 (+11.59%) Land $11,000 Building $92,000
2023		$92,300 (+11.34%) Land $11,000 Building $81,300	$92,300 (+11.34%) Land $11,000 Building $81,300
2022	$793.00	$82,900 Land $11,000 Building $71,900	$82,900 Land $11,000 Building $71,900

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	3 in force
Nearby Flood Claims	1 (1981)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1981 · rainfall accumulation

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	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	ELKHART PUBLIC WORKS AND UTILITIES serves 46,455 people · EPA ID IN5220008
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	2 ppb (2023–2025) 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 403 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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: Surf Internet.

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