307 Mill St, Middlebury, IN 46540 Property Records

Elkhart County property record for 307 Mill St, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,016 sqft · built 1956
Lot Size	0.367 acres (16,030 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,957 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-08-10-414-015.000-035`

Property Details

APN / Parcel Number

Primary APN	`20-08-10-414-015.000-035`
Alternative APN	`0810414015035`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,016 sqft Living Area
1st Floor Area	2,016 sqft
Basement Area	1,512 sqft
Finished Basement	1,134 sqft
Family Room	Family Room
Flooring	Subfloor
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	16,030 sqft (0.367 acres)
Lot Dimensions	180 ft deep x 89 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	94 sqft
Patio Area	225 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0810414015035
Old Parcel Number	0810414015035
Street Address	307 MILL ST
City	MIDDLEBURY
State	IN
Zip	46540-8439
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	KRIDERS 1ST UNREC LOT 5
Legal Subdivision	KRIDERS 1ST UNREC
Legal Block	414
Legal Lot Number	5
Jurisdiction	ELKHART IN
Township / Civil Division	MIDDLEBURY
Census Block Group	2
Census Block	2011
Census Tract	801

Owner

307 Mill St is owned and occupied by two individuals who acquired it in December 2016.

Source: Elkhart County records, as of March 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	307 MILL ST, MIDDLEBURY, IN 46540-8439
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTERRA CU
Sep 12, 2022	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK OF MIDDLEBURY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2016
Deed Sale	Dec 14, 2016
Prior Sale	Jun 21, 2012 · Amount on File
Deed Document Number	2016-26015
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	307 MILL ST, MIDDLEBURY, IN 46540-8439
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008491
Date	Apr 5, 2021
Instrument	2021-08491

Lender

Name	INTERRA CU
Type	Credit Union
Address	GOSHEN, IN 46527

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2041

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	307 MILL ST, MIDDLEBURY, IN 46540-8439
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009501
Date	Sep 12, 2022
Instrument	2022-19501

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 20, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$319,000 (+7.88%) Land $34,600 Building $284,400	$319,000 (+7.88%) Land $34,600 Building $284,400
2024	$2,957.00	$295,700 (+11.37%) Land $34,600 Building $261,100	$295,700 (+11.37%) Land $34,600 Building $261,100
2023		$265,500 (+10.9%) Land $34,600 Building $230,900	$265,500 (+10.9%) Land $34,600 Building $230,900
2022	$2,407.00 Homeowner's exemption	$239,400 Land $34,600 Building $204,800	$239,400 Land $34,600 Building $204,800

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

Flood

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

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

Wildfire risk around 307 Mill 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.

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.

Nearby Properties on Mill St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures