306 E Emerald St, Elkhart, IN 46514 Property Records

Elkhart County property record for 306 E Emerald St, Elkhart, IN 46514

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1946
Lot Size	0.196 acres (8,538 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,306 (2024)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-02-32-404-002.000-027`

Property Details

APN / Parcel Number

Primary APN	`20-02-32-404-002.000-027`
Alternative APN	`0232404002027`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	816 sqft Living Area
1st Floor Area	816 sqft
Basement Area	816 sqft
Flooring	Subfloor
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Asphalt
Lot Area	8,538 sqft (0.196 acres)
Lot Dimensions	178 ft deep x 48 ft wide
Garage Type	Mixed
Garage Area	828 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	261 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0232404002027
Old Parcel Number	0232404002027
Street Address	306 E EMERALD ST
City	ELKHART
State	IN
Zip	46514-3240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	CHRISTIANA PL EX E 12FT LOT 124 E 3FT LOT 125 E 3FT LOT 150 EX E 12FT LOT 151
Legal Subdivision	CHRISTIANA PLACE EXT E 12FT
Legal Block	404
Legal Lot Number	124,125
Jurisdiction	ELKHART IN
Township / Civil Division	OSOLO
Census Block Group	2
Census Block	2022
Census Tract	1601

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	2 Individual Names on Record
Mailing Address	306 E EMERALD ST, ELKHART, IN 46514-3240
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2004
Deed Sale	Oct 18, 2004
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	306 E EMERALD ST, ELKHART, IN 46514-3240
Transaction Type	Mortgage
Record Updated	Aug 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001425
Date	Aug 11, 2021
Instrument	2021-21425

Lender

Name	FIRST STATE BANK OF MIDDLEBURY
Type	Bank
Address	MIDDLEBURY, IN 46540

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Osolo Township
Municipality	Elkhart City
Unified School District	Elkhart Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$136,600 (+6.72%) Land $11,800 Building $124,800	$136,600 (+6.72%) Land $11,800 Building $124,800
2024	$1,306.00 (-25.58%)	$128,000 (+8.94%) Land $11,800 Building $116,200	$128,000 (+8.94%) Land $11,800 Building $116,200
2023		$117,500 (+11.69%) Land $11,800 Building $105,700	$117,500 (+11.69%) Land $11,800 Building $105,700
2022	$1,755.00	$105,200 Land $11,800 Building $93,400	$105,200 Land $11,800 Building $93,400

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	3 in force
Nearby Flood Claims	1 (1981)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1981 · 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	ELKHART PUBLIC WORKS AND UTILITIES serves 46,455 people · EPA ID IN5220008
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	2 ppb (2023–2025) 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 403 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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: Surf Internet.

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