228 E Willow Dr, South Bend, IN 46637 Property Records

St. Joseph County property record for 228 E Willow Dr, South Bend, IN 46637

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 364 sqft · built 1972
Lot Size	0.242 acres (10,560 sqft)
Owner	Individual Name on File
Last Sale	$229,900 (Mar 2022)
Tax Bill	$1,987 (2024)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`71-03-25-134-008.000-007`

Property Details

APN / Parcel Number

Primary APN	`71-03-25-134-008.000-007`
Alternative APN	`00311330221`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	364 sqft Living Area
Gross Area	1,064 sqft
Basement Area	1,064 sqft
Finished Basement	700 sqft

Exterior

Year Built	Built 1972
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	10,560 sqft (0.242 acres)
Lot Dimensions	132 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Pool Area	648 sqft
Shed	1 Shed
Shed Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00311330221
Street Address	228 E WILLOW DR
City	SOUTH BEND
State	IN
Zip	46637-3441
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 ROSELAND WOODS ADD TO ROSELAND & 30' E SIDE LOT 19
Legal Subdivision	ROSELAND WOODS ADD TO ROSELAND
Legal Lot Number	20,19
Jurisdiction	ST JOSEPH IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1010
Census Tract	11203

Owner

228 E Willow Dr is owned and occupied by an individual who bought it in March 2022.

Source: St. Joseph County records, as of March 6, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	228 E WILLOW DR, SOUTH BEND, IN 46637-3441
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
Mar 24, 2022	Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Aug 2, 2018	Warranty Deed, Transfer · ARM HORIZON BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2022 · Amount on File
Deed Sale	Mar 24, 2022 · Amount on File
Prior Sale	Aug 2, 2018
Deed Document Number	0002208893
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Mar 24, 2022
Property Address	228 E WILLOW DR, SOUTH BEND, IN 46637-3441
Document Number	0002208893
Map Reference	PB 12 PG 148
Instrument Date	Mar 22, 2022
Instrument	2208893
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	METROPLITAN TITLE, METROPOLITAN TITLE

Transaction

Amount	Amount 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	228 E WILLOW DR, SOUTH BEND, IN 46637-3441

Mortgage

Document Number	0002208894
Date	Mar 24, 2022
Instrument	2208894

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Aug 2, 2018
Property Address	228 E WILLOW DR, SOUTH BEND, IN 46637-3441
Document Number	0001819372
Instrument Date	Jul 30, 2018
Instrument	1819372
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	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	228 E WILLOW DR, SOUTH BEND, IN 46637-3441

Mortgage

Document Number	0001819373
Date	Aug 2, 2018
Instrument	1819373

Lender

Name	HORIZON BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.38%
Index	1-Year CMT

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$216,600 Land $36,700 Building $179,900	$216,600 Land $36,700 Building $179,900
2024	$1,987.00 (-19.91%)
2023	$2,481.00 (-4.8%)	$197,300 (-5.96%) Land $36,700 Building $160,600	$197,300 (-5.96%) Land $36,700 Building $160,600
2022	$2,606.00 Homeowner's exemption	$209,800 Land $36,700 Building $173,100	$209,800 Land $36,700 Building $173,100

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

Flood

FEMA maps place 228 E Willow Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Feb 2018 · Severe Storms And 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

The area around 228 E Willow Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 246 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

Nearby Properties on E Willow Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures