Elkhart County property record for 304 E Lawrence St, Middlebury, IN 46540
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,165 sqft · built 1900 |
| Lot Size | 0.216 acres (9,409 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $329,175 (Apr 2022) |
| Tax Bill | $1,334 (2024) |
| Deeds & Mortgages | Apr 2022 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-08-10-410-007.000-035 |
| Primary APN | 20-08-10-410-007.000-035 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,165 sqft Living Area |
| Gross Area | 1,565 sqft |
| 1st Floor Area | 1,165 sqft |
| Upper Floors Area | 400 sqft |
| Basement Area | 400 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,409 sqft (0.216 acres) |
| Lot Dimensions | 168 ft deep x 56 ft wide |
| Garage Type | Detached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 306 sqft |
| Shed | 1 Shed |
| Shed Area | 84 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 304 LAWRENCE ST |
|---|---|
| City | MIDDLEBURY |
| State | IN |
| Zip | 46540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZO01 |
| Legal Description | ORIG LOT 13 BLK 40 & PT VAC ST & S1/2 VAC ALLEY ADJ NO |
| Legal Subdivision | ORIG |
| Legal Block | 40 |
| Legal Lot Number | 13 |
| Jurisdiction | ELKHART IN |
| Township / Civil Division | MIDDLEBURY |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 801 |
304 E Lawrence St is owned and occupied by two individuals who bought it in April 2022.
Source: Elkhart County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 304 E LAWRENCE ST, MIDDLEBURY, IN 46540-8426 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2022 · Amount on File |
| Deed Sale | Apr 29, 2022 · Amount on File |
| Deed Document Number | 20229163 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ELKHART IN |
| Recording Date | Apr 29, 2022 |
| Property Address | 304 E LAWRENCE ST, MIDDLEBURY, IN 46540-8426 |
| Document Number | 0000009163 |
| Instrument Date | Apr 14, 2022 |
| Instrument | 2022-09163 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2023 |
| Title Company | F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 304 E LAWRENCE ST # 6, 6, MIDDLEBURY, IN 46540-8426 |
| Investor | Possibly a Property Investor |
| Document Number | 0000009164 |
|---|---|
| Date | Apr 29, 2022 |
| Instrument | 2022-09164 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.21% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 9.21% |
Source: Elkhart County assessment roll, as of December 29, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Elkhart County |
| County Subdivision | Middlebury Township |
| Municipality | Middlebury Town |
| Unified School District | Middlebury Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $138,100 (+3.52%) Land $26,400 Building $111,700 | $138,100 (+3.52%) Land $26,400 Building $111,700 | |
| 2024 | $1,334.00 | $133,400 (+10.16%) Land $26,400 Building $107,000 | $133,400 (+10.16%) Land $26,400 Building $107,000 |
| 2023 | $121,100 (+9.69%) Land $26,400 Building $94,700 | $121,100 (+9.69%) Land $26,400 Building $94,700 | |
| 2022 | $1,054.00 | $110,400 Land $26,400 Building $84,000 | $110,400 Land $26,400 Building $84,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 304 E Lawrence St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1993.
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 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 4 (1993–2018) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Feb 2018 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 304 E Lawrence St is low, with 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 80% of the US · above 73% of Indiana |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MIDDLEBURY WATER DEPARTMENT serves 3,420 people · EPA ID IN5220014 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 276 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Internet Fiber | 8,000 / 8,000 |
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, New Paris Telephone Company.
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