22979 Elm Dr, Elkhart, IN 46516 Property Records

Elkhart County property record for 22979 Elm Dr, Elkhart, IN 46516

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,364 sqft · built 1973
Lot Size	0.505 acres (21,998 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (May 2022)
Tax Bill	$1,900 (2024)
Deeds & Mortgages	May 2022 Sale & Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-06-12-151-006.000-009`

Property Details

APN / Parcel Number

Primary APN	`20-06-12-151-006.000-009`
Alternative APN	`0612151006009`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,364 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,023 sqft
Family Room	Family Room
Flooring	Subfloor
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	21,998 sqft (0.505 acres)
Lot Dimensions	200 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	216 sqft
Patio Area	394 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0612151006009
Old Parcel Number	0612151006009
Street Address	22979 ELM DR
City	ELKHART
State	IN
Zip	46516-9174
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	FERN DELLS W 185FT LOT 2
Legal Subdivision	FERN DELLS
Legal Block	151
Legal Lot Number	2
Jurisdiction	ELKHART IN
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1042
Census Tract	1902

Owner

22979 Elm Dr is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	22979 ELM DR, ELKHART, IN 46516-9174
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 18, 2022	Warranty Deed, Transfer · FHA Mortgage NOTRE DAME FCU
May 5, 2017	Warranty Deed, Transfer · VA Mortgage PENTAGON FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2022 · Amount on File
Deed Sale	May 18, 2022 · Amount on File
Prior Sale	May 5, 2017 · Amount on File
Deed Document Number	0000000556
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	May 18, 2022
Property Address	22979 ELM DR, ELKHART, IN 46516-9174
Document Number	0000000556
Map Reference	MB 9 PG 38
Instrument Date	Apr 27, 2022
Instrument	2022-10556
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC

Transaction

Amount	Amount on Record
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	22979 ELM DR, ELKHART, IN 46516-9174

Mortgage

Document Number	0000000557
Date	May 18, 2022
Instrument	2022-10557

Lender

Name	NOTRE DAME FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	May 5, 2017
Property Address	22979 ELM DR, ELKHART, IN 46516-9174
Document Number	0000009135
Map Reference	MB9 PG38
Instrument Date	Apr 21, 2017
Instrument	2017-09135
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	FIDELITY NATL TITLE CO LLC

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	22979 ELM DR, ELKHART, IN 46516-9174

Mortgage

Document Number	0000009136
Date	May 5, 2017
Instrument	2017-09136

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

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		$221,900 (+8.83%) Land $17,600 Building $204,300	$221,900 (+8.83%) Land $17,600 Building $204,300
2024	$1,900.00	$203,900 (-0.73%) Land $17,600 Building $186,300	$203,900 (-0.73%) Land $17,600 Building $186,300
2023		$205,400 (+16.51%) Land $17,600 Building $187,800	$205,400 (+16.51%) Land $17,600 Building $187,800
2022	$1,186.00	$176,300 Land $17,600 Building $158,700	$176,300 Land $17,600 Building $158,700

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

Flood

FEMA maps place 22979 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 22979 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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