307 E 16th St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 307 E 16th St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,254 sqft · built 1926
Lot Size	0.117 acres (5,084 sqft)
Owner	2 Individual Names on File
Last Sale	$190,788 (Oct 2025)
Tax Bill	$1,567 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`71-09-21-278-018.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-21-278-018.000-023`
Alternative APN	`01611606458`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,254 sqft Living Area
Gross Area	1,854 sqft
1st Floor Area	1,854 sqft
Basement Area	600 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1950
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	5,084 sqft (0.117 acres)
Lot Dimensions	124 ft deep x 41 ft wide
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	307 E 16TH ST
City	MISHAWAKA
State	IN
Zip	46544-5302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 26 OLIVER SMITHS
Legal Subdivision	OLIVER SMITHS
Legal Lot Number	26
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	2
Census Block	2015
Census Tract	10300

Owner

307 E 16th St is owned and occupied by two individuals who bought it in October 2025.

Source: St. Joseph County records, as of June 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	307 E 16TH ST, MISHAWAKA, IN 46544-5302
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST FSB
Jun 18, 2018	Quit Claim Deed, Transfer · Conventional Mortgage FIRST FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2025 · Amount on File
Deed Sale	Oct 6, 2025 · Amount on File
Prior Sale	Jun 18, 2018 · Amount on File
Deed Document Number	202525309
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Oct 6, 2025
Property Address	307 E 16TH ST, MISHAWAKA, IN 46544-5302
Document Number	0002525309
Map Reference	PB 15 PG S
Instrument Date	Sep 26, 2025
Instrument	2525309
Transaction Type	Transfer
Record Updated	Nov 14, 2025
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
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	307 E 16TH ST, MISHAWAKA, IN 46544-5302

Mortgage

Document Number	0002525310
Date	Oct 6, 2025
Instrument	2525310

Lender

Name	FIRST FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jun 18, 2018
Property Address	307 E 16TH ST, MISHAWAKA, IN 46544-5302
Document Number	0001814642
Map Reference	PB 15 PG S
Instrument Date	Jun 8, 2018
Instrument	1814642
Transaction Type	Transfer
Record Updated	Nov 14, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 E 16TH ST, MISHAWAKA, IN 46544-5302

Mortgage

Document Number	0001814643
Date	Jun 18, 2018
Instrument	1814643

Lender

Name	FIRST FSB

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 307 E 16th St was $1,567, up 22.5% from the year before.

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	$1,567.00 (+22.52%)	$148,800 (+31.91%) Land $21,800 Building $127,000	$148,800 (+31.91%) Land $21,800 Building $127,000
2024	$1,279.00 (-1.77%)	$112,800 (-0.97%) Land $21,800 Building $91,000	$112,800 (-0.97%) Land $21,800 Building $91,000
2023	$1,302.00 (-1.29%)	$113,900 (-) Land $21,800 Building $92,100	$113,900 (-) Land $21,800 Building $92,100
2022	$1,319.00 Homeowner's exemption	$113,900 Land $21,800 Building $92,100	$113,900 Land $21,800 Building $92,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 307 E 16th St in Zone X, an area of minimal flood risk.

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 Policies	2 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

The area around 307 E 16th St has no burnable land within ember reach, so its wildfire risk is not rated.

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 415 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, Verizon.

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