2405 E 3rd St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 2405 E 3rd St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,664 sqft · built 1928
Lot Size	0.216 acres (9,430 sqft)
Owner	Individual Name on Record
Tax Bill	$1,958 (2024)
Deeds & Mortgages	Mar 2017 Mortgage Jan 2005 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-14-278-002.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-14-278-002.000-023`
Alternative APN	`01610773140`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,664 sqft Living Area
Gross Area	832 sqft
Attic	Attic
Attic Area	832 sqft
Basement Area	832 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Exterior Material	Block
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	9,430 sqft (0.216 acres)
Lot Dimensions	115 ft deep x 82 ft wide
Garage Type	Detached
Garage Area	192 sqft
Parking Spaces	1 Parking Space
Pool Type	Above-Ground Pool
Lean-To	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610773140
Street Address	2405 E 3RD ST
City	MISHAWAKA
State	IN
Zip	46544-3327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 58 BROOKSIDE 1ST ADD & W1/2 LOT 57
Legal Subdivision	BROOKSIDE 1ST ADD
Legal Lot Number	58,57
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	2
Census Block	2002
Census Tract	10400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2405 E 3RD ST, MISHAWAKA, IN 46544-3327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage TEACHERS CU
Jan 24, 2005	Deed of Trust, Mortgage · ARM ACCREDITED HOME LENDERS INC
Jan 31, 2008	Deed of Trust, Mortgage · FHA Mortgage POLARIS HOME FUNDING CORP
Nov 14, 2007	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2008
Deed Sale	Jan 31, 2008
Prior Transfer Date	Nov 14, 2007
Prior Transfer Doc	0744738
Record Updated	Sep 20, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	2405 E 3RD ST, MISHAWAKA, IN 46544-3327
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001706354
Date	Mar 17, 2017
Instrument	1706354

Lender

Name	TEACHERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2032

Interest

Rate Type	Fixed Rate

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	2405 E 3RD ST, MISHAWAKA, IN 46544-3327
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000503368
Date	Jan 24, 2005
Instrument	0503368

Lender

Name	ACCREDITED HOME LENDERS INC
Type	Subprime Lender
Address	SAN DIEGO, CA 92128

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Type Change Date	Feb 1, 2007
Change Frequency	6 Months
Min Rate At Change	8.25%
Max Rate At Change	9.75%
Index	6-Month LIBOR
Max Rate	15.2%

January 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	2405 E 3RD ST, MISHAWAKA, IN 46544-3327
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000803313
Date	Jan 31, 2008
Instrument	0803313

Lender

Name	POLARIS HOME FUNDING CORP
Type	Lending Institution
Address	GRANDVILLE, MI 49418

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2038

November 2007: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Nov 14, 2007
Property Address	2405 E 3RD ST, MISHAWAKA, IN 46544-3327
Document Number	0000744738
Map Reference	MB12 PG72
Instrument Date	Oct 11, 2007
Instrument	0744738
Transaction Type	Foreclosure
Record Updated	Jun 23, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16550 W BERNARDO DR # 1, 1, SAN DIEGO, CA 92127-1870
Investor	Possibly a Property Investor

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	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		$188,800 (+24.46%) Land $38,800 Building $150,000	$188,800 (+24.46%) Land $38,800 Building $150,000
2024	$1,958.00 (+12.98%)
2023	$1,733.00 (-3.4%)	$151,700 (-2.51%) Land $38,700 Building $113,000	$151,700 (-2.51%) Land $38,700 Building $113,000
2022	$1,794.00 Homeowner's exemption	$155,600 Land $38,700 Building $116,900	$155,600 Land $38,700 Building $116,900

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 December 15, 2015 · 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
Nearby Flood Claims	2 (1996)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 1996 · rainfall accumulation

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 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 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Fourway.

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