232 E 7th St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 232 E 7th St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,520 sqft · built 1900
Lot Size	0.069 acres (3,016 sqft)
Owner	2 Individual Names on Record
Last Sale	$162,936 (Mar 2026)
Tax Bill	$2,185 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`71-09-16-433-035.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-16-433-035.000-023`
Alternative APN	`01611425639`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,520 sqft Living Area
Gross Area	2,040 sqft
1st Floor Area	2,040 sqft
Basement Area	520 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Frame/Masonry
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	3,016 sqft (0.069 acres)
Lot Dimensions	116 ft deep x 26 ft wide
View / Lot	Alley

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	232 E 7TH ST
City	MISHAWAKA
State	IN
Zip	46544-2137
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25 FT E SIDE LOT P & 1 FT W SIDE LOT 3 E J PERKINS ADD
Legal Subdivision	E J PERKINS ADD
Legal Lot Number	P,3
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	1
Census Block	1021
Census Tract	10201

Owner

Source: St. Joseph County records, as of October 15, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	232 E 7TH ST, MISHAWAKA, IN 46544-2137
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL CO
Mar 17, 2026	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2026 · Amount on Record
Deed Sale	Mar 17, 2026 · Amount on Record
Deed Document Number	20266518
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Mar 17, 2026
Property Address	232 E 7TH ST, MISHAWAKA, IN 46544-2137
Document Number	0002606518
Map Reference	PB 7 PG 17
Instrument Date	Mar 13, 2026
Instrument	2606518
Transaction Type	Transfer
Record Updated	Apr 15, 2026
Title Company	MTC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	232 E 7TH ST, MISHAWAKA, IN 46544-2137

Mortgage

Document Number	0002606519
Date	Mar 17, 2026
Instrument	2606519

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Mortgage

Document Number	0002606520
Date	Mar 17, 2026
Instrument	2606520

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 1, 2036

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Mar 17, 2026
Property Address	232 E 7TH ST, MISHAWAKA, IN 46544-2137
Document Number	0002606518
Map Reference	PB 7 PG 17
Instrument Date	Mar 13, 2026
Instrument	2606518
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	MTC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	232 E 7TH ST, MISHAWAKA, IN 46544-2137

Mortgage

Date	Mar 17, 2026

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2036

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of March 11, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	St. Joseph County
County Subdivision	Penn Township
Municipality	Mishawaka City
Unified School District	Mishawaka School City (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,185.00 (+60.66%)	$103,100 (+77.45%) Land $9,800 Building $93,300	$103,100 (+77.45%) Land $9,800 Building $93,300
2024	$1,360.00 (-0.22%)
2023	$1,363.00 (+0.07%)	$58,100 (-) Land $4,300 Building $53,800	$58,100 (-) Land $4,300 Building $53,800
2022	$1,362.00	$58,100 Land $4,300 Building $53,800	$58,100 Land $4,300 Building $53,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective December 15, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MISHAWAKA UTILITIES serves 49,675 people · EPA ID IN5271009
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	7 ppb (2024–2026) 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 745 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Mercury Fiber.

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