Allen County property record for 3115 Covington Lake Dr, Fort Wayne, IN 46804
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 6,358 sqft · built 1976 |
| Lot Size | 1.76 acres (76,666 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $977,550 (Jan 2023) |
| Tax Bill | $7,966 (2025) |
| Deeds & Mortgages | Jan 2023 Sale & Mortgage Aug 2022 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-11-15-178-003.000-075 |
| Primary APN | 02-11-15-178-003.000-075 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 6,358 sqft Living Area |
| Gross Area | 7,080 sqft |
| 1st Floor Area | 2,729 sqft |
| Basement Area | 998 sqft |
| Finished Basement | 900 sqft |
| Unfinished Basement | 98 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 76,666 sqft |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3115 COVINGTON LAKE DR |
|---|---|
| City | FORT WAYNE |
| State | IN |
| Zip | 46804-2513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COVINGTON LAKE ESTATES SEC B LOT 25 |
| Legal Subdivision | COVINGTON LAKE ESTATES |
| Legal Lot Number | 25 |
| Jurisdiction | ALLEN IN |
| Township / Civil Division | ABOITE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 11603 |
3115 Covington Lake Dr is owned and occupied by two individuals who bought it in January 2023.
Source: Allen County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3115 COVINGTON LAKE DR, FORT WAYNE, IN 46804-2513 |
| 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.
| Date | Document |
|---|---|
| Jan 10, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| Aug 24, 2022 | Personal Representative Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY |
| Dec 20, 2019 | Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK |
| Jan 18, 2018 | Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| May 15, 2017 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Apr 5, 2017 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 10, 2023 · Amount on File |
| Deed Sale | Jan 10, 2023 · Amount on File |
| Prior Sale | Aug 24, 2022 · Amount on File |
| Deed Document Number | 20231052 |
| Prior Transfer Date | Jan 12, 2018 |
| Prior Transfer Doc | 2018003610 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEN IN |
| Recording Date | Jan 10, 2023 |
| Property Address | 3115 COVINGTON LAKE DR, FORT WAYNE, IN 46804-2513 |
| Document Number | 2023001052 |
| Map Reference | PL 29 PG 124&125 |
| Instrument Date | Jan 6, 2023 |
| Instrument | 2023001052 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2023 |
| Title Company | TRADEMARK TITLE INC, TRADEMARK TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 3115 COVINGTON LAKE DR, FORT WAYNE, IN 46804-2513 |
| Document Number | 2023001053 |
|---|---|
| Date | Jan 10, 2023 |
| Instrument | 2023001053 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 7.5% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.5% |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | ALLEN IN |
| Recording Date | Aug 24, 2022 |
| Property Address | 3115 COVINGTON LAKE DR, FORT WAYNE, IN 46804-2513 |
| Document Number | 2022046883 |
| Map Reference | MB 29 PG 124-125 |
| Instrument Date | Jun 21, 2022 |
| Instrument | 2022046883 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2023 |
| Title Company | TRADEMARK TITLE INC, TRADEMARK TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 3115 COVINGTON LAKE DR, FORT WAYNE, IN 46804-2513 |
| Document Number | 2022046884 |
|---|---|
| Date | Aug 24, 2022 |
| Instrument | 2022046884 |
| Name | RUOFF MORTGAGE COMPANY |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALLEN IN |
| Recording Date | Dec 20, 2019 |
| Property Address | 3115 COVINGTON LAKE DR, FORT WAYNE, IN 46804-2513 |
| Document Number | 2019066075 |
| Map Reference | PL 29 PG 124&125 |
| Instrument Date | Dec 16, 2019 |
| Instrument | 2019066075 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2023 |
| Title Company | METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3115 COVINGTON LAKE DR, FORT WAYNE, IN 46804-2513 |
| Document Number | 2019066076 |
|---|---|
| Date | Dec 20, 2019 |
| Instrument | 2019066076 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ALLEN IN |
| Recording Date | Jan 18, 2018 |
| Property Address | 3115 COVINGTON LAKE DR, FORT WAYNE, IN 46804-2513 |
| Document Number | 2018003610 |
| Map Reference | PL29 PG124-125 |
| Instrument Date | Jan 12, 2018 |
| Instrument | 2018003610 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 3115 COVINGTON LAKE DR, FORT WAYNE, IN 46804-2513 |
| Document Number | 2018003611 |
|---|---|
| Date | Jan 18, 2018 |
| Instrument | 2018003611 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALLEN IN |
| Recording Date | May 15, 2017 |
| Property Address | 3115 COVINGTON LAKE DR, FORT WAYNE, IN 46804-2513 |
| Document Number | 2017024132 |
| Map Reference | RR29 PG124-125 |
| Instrument Date | May 11, 2017 |
| Instrument | 2017024132 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Document Number | 2017024133 |
|---|---|
| Date | May 15, 2017 |
| Instrument | 2017024133 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALLEN IN |
| Recording Date | Apr 5, 2017 |
| Property Address | 3115 COVINGTON LAKE DR, FORT WAYNE, IN 46804-2513 |
| Document Number | 2017017471 |
| Map Reference | PL29 PG124&125 |
| Instrument Date | Apr 3, 2017 |
| Instrument | 2017017471 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 4823 W HAMILTON RD S, FORT WAYNE, IN 46814-9414 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 3115 Covington Lake Dr was $7,966 with a homeowner's exemption, up 13.2% from the year before.
Source: Allen County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Allen County |
| County Subdivision | Aboite Township |
| Municipality | Fort Wayne City |
| Unified School District | Southwest Allen County Metropolitan School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,966.00 (+13.15%) Homeowner's exemption | $747,700 Land $115,200 Building $632,500 | $747,700 Land $115,200 Building $632,500 |
| 2024 | $7,040.00 (+6.84%) | ||
| 2023 | $6,589.00 (+6.55%) | $591,400 (+6.87%) Land $115,200 Building $476,200 | $591,400 (+6.87%) Land $115,200 Building $476,200 |
| 2022 | $6,184.00 | $553,400 Land $115,200 Building $438,200 | $553,400 Land $115,200 Building $438,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3115 Covington Lake Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.
Source: FEMA National Flood Hazard Layer, effective April 22, 2026 · 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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (1982–1985) |
| Most Recent Claim | Feb 1985 · river or lake flooding |
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 3115 Covington Lake Dr is low, with less than 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 95% of the US · lower than 68% of Indiana |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | FORT WAYNE - 3 RIVERS FILTRATION PLANT serves 269,994 people · EPA ID IN5202020 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2022 |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 218 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 |
| Lakeland Internet Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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