304 Eugene Dr, Middlebury, IN 46540 Property Records

Elkhart County property record for 304 Eugene Dr, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,008 sqft · built 1982
Lot Size	0.255 acres (11,108 sqft)
Owner	Individual Name on Record
Last Sale	$239,900 (Sep 2022)
Tax Bill	$2,272 (2024)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-08-10-453-009.000-035`

Property Details

APN / Parcel Number

Primary APN	`20-08-10-453-009.000-035`
Alternative APN	`0810453009035`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Finished Basement	806 sqft
Flooring	Subfloor

Exterior

Year Built	Built 1982
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	11,108 sqft (0.255 acres)
Lot Dimensions	139 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	24 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0810453009035
Old Parcel Number	0810453009035
Street Address	304 EUGENE DR
City	MIDDLEBURY
State	IN
Zip	46540-8406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	MILL RACE MANOR SUBD LOT 2
Legal Subdivision	MILL RACE MANOR
Legal Block	453
Legal Lot Number	2
Jurisdiction	ELKHART IN
Township / Civil Division	MIDDLEBURY
Census Block Group	2
Census Block	2009
Census Tract	801

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 Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	304 EUGENE DR, MIDDLEBURY, IN 46540-8406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2022	Warranty Deed, Transfer · Conventional Mortgage SYNERGY ONE LENDING
Apr 17, 2018	Warranty Deed, Transfer · Conventional Mortgage GVC MORTGAGE INC
Feb 22, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2022 · Amount on Record
Deed Sale	Sep 27, 2022 · Amount on Record
Prior Sale	Oct 30, 2020 · Amount on Record
Deed Document Number	0000000679
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Sep 27, 2022
Property Address	304 EUGENE DR, MIDDLEBURY, IN 46540-8406
Document Number	0000000679
Map Reference	MB 13 PG 90
Instrument Date	Sep 23, 2022
Instrument	2022-20679
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	MTC

Transaction

Amount	Amount Recorded
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	304 EUGENE DR, MIDDLEBURY, IN 46540-8406

Mortgage

Document Number	0000000680
Date	Sep 27, 2022
Instrument	2022-20680

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Apr 17, 2018
Property Address	304 EUGENE DR, MIDDLEBURY, IN 46540-8406
Document Number	0000007411
Map Reference	MB13 PG90
Instrument Date	Apr 13, 2018
Instrument	2018-07411
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	MERIDIAN TITLE CO

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	304 EUGENE DR, MIDDLEBURY, IN 46540-8406
Investor	Possibly a Property Investor

Mortgage

Document Number	0000007412
Date	Apr 17, 2018
Instrument	2018-07412

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKHART IN
Recording Date	Feb 22, 2018
Property Address	304 EUGENE DR, MIDDLEBURY, IN 46540-8406
Document Number	0000003910
Instrument Date	Feb 21, 2018
Instrument	3910
Transaction Type	Transfer
Record Updated	Mar 1, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 EUGENE DR MIDDLEBURY IN 465408406, MIDDLEBURY, IN 46540-8406

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Middlebury Township
Municipality	Middlebury Town
Unified School District	Middlebury Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$243,700 (+7.22%) Land $27,900 Building $215,800	$243,700 (+7.22%) Land $27,900 Building $215,800
2024	$2,272.00 (+17.72%)	$227,300 (+11.15%) Land $27,900 Building $199,400	$227,300 (+11.15%) Land $27,900 Building $199,400
2023		$204,500 (+5.96%) Land $27,900 Building $176,600	$204,500 (+5.96%) Land $27,900 Building $176,600
2022	$1,930.00 Homeowner's exemption	$193,000 Land $27,900 Building $165,100	$193,000 Land $27,900 Building $165,100

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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