22870 Elm Dr, Elkhart, IN 46516 Property Records

Elkhart County property record for 22870 Elm Dr, Elkhart, IN 46516

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,316 sqft · built 1972
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on File
Tax Bill	$1,079 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-06-12-152-007.000-009`

Property Details

APN / Parcel Number

Primary APN	`20-06-12-152-007.000-009`
Alternative APN	`0612152007009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,316 sqft Living Area
1st Floor Area	816 sqft
2nd Floor Area	500 sqft
Flooring	Concrete/Cement
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Asphalt
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	220 ft deep x 95 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0612152007009
Old Parcel Number	0612152007009
Street Address	22870 ELM DR
City	ELKHART
State	IN
Zip	46516-9751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	FERN DELLS SECOND LOT 11
Legal Subdivision	FERN DELLS
Legal Block	152
Legal Lot Number	11
Jurisdiction	ELKHART IN
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1042
Census Tract	1902

Owner

22870 Elm Dr is owned and occupied by an individual who acquired it in July 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	22870 ELM DR, ELKHART, IN 46516-9751
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
Aug 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 26, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 26, 2019
Transfer Doc	0000004985
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	22870 ELM DR, ELKHART, IN 46516-9751
Transaction Type	Mortgage
Record Updated	Sep 2, 2021
Title Company	MERIDIAN TITLE, MERIDIAN TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002598
Date	Aug 23, 2021
Instrument	2021-22598

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKHART IN
Recording Date	Jul 26, 2019
Property Address	22870 ELM DR, ELKHART, IN 46516-9751
Document Number	0000004985
Instrument Date	Jul 24, 2019
Instrument	2019-14985
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	MERIDIAN TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22870 ELM DR, ELKHART, IN 46516-9751

Mortgage

Document Number	0000004986
Date	Jul 26, 2019
Instrument	2019-14986

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

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		$145,100 (+6.69%) Land $15,500 Building $129,600	$145,100 (+6.69%) Land $15,500 Building $129,600
2024	$1,079.00	$136,000 (+5.92%) Land $15,500 Building $120,500	$136,000 (+5.92%) Land $15,500 Building $120,500
2023		$128,400 (+1.42%) Land $15,500 Building $112,900	$128,400 (+1.42%) Land $15,500 Building $112,900
2022	$1,035.00	$126,600 Land $15,500 Building $111,100	$126,600 Land $15,500 Building $111,100

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

Flood

FEMA maps place 22870 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 22870 Elm Dr is low, with less than 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 95% of the US · lower than 68% of Indiana
Wildfire Likelihood	Under 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	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 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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