22761 Elm Dr, Elkhart, IN 46516 Property Records

Elkhart County property record for 22761 Elm Dr, Elkhart, IN 46516

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,416 sqft · built 1984
Lot Size	0.483 acres (21,083 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,128 (2024)
Deeds & Mortgages	May 2020 Transfer May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-06-12-151-018.000-009`

Property Details

APN / Parcel Number

Primary APN	`20-06-12-151-018.000-009`
Alternative APN	`0612151018009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,416 sqft Living Area
1st Floor Area	1,416 sqft
Basement Area	936 sqft
Finished Basement	702 sqft
Family Room	Family Room
Flooring	Subfloor
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Asphalt
Lot Area	21,083 sqft (0.483 acres)
Lot Dimensions	199 ft deep x 106 ft wide
Garage Type	Detached
Garage Area	1,400 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Patio Area	144 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0612151018009
Old Parcel Number	0612151018009
Street Address	22761 ELM DR
City	ELKHART
State	IN
Zip	46516-9172
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	FERN DELLS FOURTH LOT 24
Legal Subdivision	FERN DELLS
Legal Block	151
Legal Lot Number	24
Jurisdiction	ELKHART IN
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1042
Census Tract	1902

Owner

22761 Elm Dr is owned and occupied by two individuals who acquired it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	22761 ELM DR, ELKHART, IN 46516-9172
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
May 11, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 5, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jan 24, 2018	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2020
Deed Sale	May 11, 2020
Prior Sale	May 5, 2020
Deed Document Number	0000009211
Record Updated	Jun 8, 2026

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKHART IN
Recording Date	May 11, 2020
Property Address	22761 ELM DR, ELKHART, IN 46516-9172
Document Number	0000009672
Instrument Date	May 6, 2020
Instrument	9672
Transaction Type	Transfer
Record Updated	Jun 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	22761 ELM DR ELKHART IN 465169172, ELKHART, IN 46516-9172

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKHART IN
Recording Date	May 5, 2020
Property Address	22761 ELM DR, ELKHART, IN 46516-9172
Document Number	0000009211
Map Reference	MB 11 PG 42
Instrument Date	May 1, 2020
Instrument	2020-09211
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	METROPOLITAN TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22761 ELM DR, ELKHART, IN 46516-9172

Mortgage

Document Number	0000009212
Date	May 5, 2020
Instrument	2020-09212

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Jan 24, 2018
Property Address	22761 ELM DR, ELKHART, IN 46516-9172
Document Number	0000001790
Map Reference	MB11 PG42
Instrument Date	Jan 23, 2018
Instrument	2018-01790
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	AETROPOLIYAN TITLE

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	22761 ELM DR, ELKHART, IN 46516-9172

Mortgage

Document Number	0000001791
Date	Jan 24, 2018
Instrument	2018-01791

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Concord Township
Unified School District	Concord Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$279,300 (+5.72%) Land $16,800 Building $262,500	$279,300 (+5.72%) Land $16,800 Building $262,500
2024	$5,128.00	$264,200 (+6.32%) Land $16,800 Building $247,400	$264,200 (+6.32%) Land $16,800 Building $247,400
2023		$248,500 (+9.23%) Land $16,800 Building $231,700	$248,500 (+9.23%) Land $16,800 Building $231,700
2022	$4,552.00	$227,500 Land $16,800 Building $210,700	$227,500 Land $16,800 Building $210,700

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

Flood

FEMA maps place 22761 Elm Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	6 (1979–2005)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Jan 2005 · Severe Winter Storms And Flooding
Claims by Event	Severe Winter Storms And Flooding, Jan 2005 · 3 claims

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

Wildfire risk around 22761 Elm Dr is low, with a 0.01% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Frontier, Mercury Fiber, Surf Internet.

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