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231 Waterfall Dr, Elkhart, IN 46516 Property Records

Elkhart County property record for 231 Waterfall Dr, Elkhart, IN 46516

Property Summary

Property TypeCommercial Office
Details11,900 sqft · built 2002
Lot Size0.38 acres (16,553 sqft)
Owner2 Individual Names on Record
Tax Bill$126 (2024)
Deeds & MortgagesNov 2017 Line of Credit
Flood ZoneZone X (minimal risk)
APN20-06-05-480-030.000-012

Property Details

APN / Parcel Number

Primary APN20-06-05-480-030.000-012
Alternative APN
  • 0605480030012

Interior

Stories1 Story
Building Area11,900 sqft Total Area
Fire SprinklersFire Sprinklers

Exterior

Year BuiltBuilt 2002
Exterior MaterialBrick
Construction TypeWood
Fire ResistanceWood or Wood & Steel Frame
Lot Area16,553 sqft (0.38 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
SewerConnected

Location & Zoning

Account Number0605480030012
Old Parcel Number0605480030012
Street Address231 WATERFALL DR
CityELKHART
StateIN
Zip46516-3669
Property CategoryCommercial
Property TypeCommercial > Office > Commercial Office
Local Zoning CodeZO01
Legal DescriptionPT N1/2 E1/2 SW1/4 SEC 5 (TIF 75) .38A
Legal Block480
JurisdictionELKHART IN
Township / Civil DivisionCONCORD
Census Block Group2
Census Block2034
Census Tract2900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address3613 SUTTON DR, MISHAWAKA, IN 46545-9101
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 2, 2007
Deed SaleJul 2, 2007
Deed Document Number2007-18158
Record UpdatedJun 8, 2026

November 2017: Grant Deed, Mortgage

Document TypeGrant Deed
JurisdictionELKHART IN
Recording DateNov 3, 2017
Property Address231 WATERFALL DR, ELKHART, IN 46516-3669
Instrument DateOct 31, 2017
Instrument23837
Transaction TypeMortgage
Record UpdatedNov 7, 2017

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address51146 CHANNEL CT ELKHART IN 465148523, ELKHART, IN 46514-8523

Mortgage

Document Number0000023837
DateNov 3, 2017
Instrument23837
Lender
NameHORIZON BK
TypeBank
Address811 SHIP ST, ST JOSEPH, MI 49085-1171
Agreement
TypeLine of Credit
AmountAmount Recorded
Term60 Months
DueNov 2, 2022
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIndiana
CountyElkhart County
County SubdivisionConcord Township
MunicipalityElkhart City
Unified School DistrictElkhart Community Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,127,400 (+16.39%) Land $66,500 Building $1,060,900$1,127,400 (+16.39%) Land $66,500 Building $1,060,900
2024$126.00 Additional exemption filed$968,600 (+10.04%) Land $66,500 Building $902,100$968,600 (+10.04%) Land $66,500 Building $902,100
2023$880,200 (-) Land $66,500 Building $813,700$880,200 (-) Land $66,500 Building $813,700
2022Additional exemption filed$880,200 Land $66,500 Building $813,700$880,200 Land $66,500 Building $813,700

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 10 policies
Nearby Flood Policies10 in force
Nearby Flood Claims6 (1982–2008)
Claims Outside the SFHA1 of 6
Most Recent ClaimFeb 2008 · Severe Storms And Flooding
Claims by Event
  • Severe Storms And Flooding, Feb 2008 · 2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemELKHART PUBLIC WORKS AND UTILITIES
serves 46,455 people · EPA ID IN5220008
Water SourceGroundwater
Last State InspectionApr 2023
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 374 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

May also be available: Surf Internet.

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