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

St. Joseph County property record for 314 E 16th St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 840 sqft · built 1941
Lot Size	0.233 acres (10,168 sqft)
Owner	2 Individual Names on File
Last Sale	$184,964 (Jan 2026)
Tax Bill	$2,129 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Jan 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-21-231-019.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-21-231-019.000-023`
Alternative APN	`01612228869`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	840 sqft Living Area
Gross Area	1,680 sqft
1st Floor Area	1,680 sqft
Basement Area	840 sqft

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Exterior Material	Block
Construction Type	Brick
Roof Material	Asphalt
Lot Area	10,168 sqft (0.233 acres)
Lot Dimensions	124 ft deep x 82 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	314 E 16TH ST
City	MISHAWAKA
State	IN
Zip	46544-5303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 2 & 3 SOUTH PARK ADD 20/21 CON W / 016-1222-8870 PER ASSESSORS REQ IC 6-1.1-5-16
Legal Subdivision	SOUTH PARK ADD
Legal Lot Number	2,3
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	2
Census Block	2019
Census Tract	10300

Owner

314 E 16th St is owned and occupied by two individuals who bought it in January 2026.

Source: St. Joseph County records, as of June 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	314 E 16TH ST, MISHAWAKA, IN 46544-5303
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
Sep 11, 2018	Deed of Trust, Mortgage · VA Mortgage HALLMARK HOME MORTGAGE LLC
Jan 21, 2026	Warranty Deed, Transfer · Conventional Mortgage GVC MORTGAGE
Jan 21, 2026	Warranty Deed, Transfer · Conventional Mortgage GVC MORTGAGE
Sep 11, 2018	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Feb 2, 2012	Intrafamily Transfer, Transfer · FHA Mortgage WELLS FARGO BANK
Apr 25, 2007	Warranty Deed, Transfer · FHA Mortgage AMERICAN HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2026 · Amount on File
Deed Sale	Jan 21, 2026 · Amount on File
Prior Sale	Sep 11, 2018 · Amount on File
Deed Document Number	20261690
Prior Transfer Date	Jan 15, 2026
Prior Transfer Doc	0000001689
Record Updated	Sep 20, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	314 E 16TH ST, MISHAWAKA, IN 46544-5303
Transaction Type	Mortgage
Record Updated	Jun 26, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001823300
Date	Sep 11, 2018
Instrument	1823300

Lender

Name	HALLMARK HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

Interest

Rate Type	Fixed Rate

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jan 21, 2026
Property Address	314 E 16TH ST, MISHAWAKA, IN 46544-5303
Document Number	0002601690
Map Reference	PB 14 PG S-7
Instrument Date	Jan 15, 2026
Instrument	2601690
Transaction Type	Transfer
Record Updated	Feb 11, 2026
Title Company	METROPLITAN TITLE, METROPOLITAN TITLE

Transaction

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	314 E 16TH ST, MISHAWAKA, IN 46544-5303

Mortgage

Document Number	0002601691
Date	Jan 21, 2026
Instrument	2601691

Lender

Name	GVC MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jan 21, 2026
Property Address	314 E 16TH ST, MISHAWAKA, IN 46544-5303
Document Number	0002601690
Map Reference	PB 14 PG S-7
Instrument Date	Jan 15, 2026
Instrument	2601690
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	METROPLITAN TITLE, METROPOLITAN 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	314 E 16TH ST, MISHAWAKA, IN 46544-5303

Mortgage

Document Number	0002601691
Date	Jan 21, 2026
Instrument	2601691

Lender

Name	GVC MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Sep 11, 2018
Property Address	314 E 16TH ST, MISHAWAKA, IN 46544-5303
Document Number	0001823299
Instrument Date	Sep 5, 2018
Instrument	1823299
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 E 16TH ST, MISHAWAKA, IN 46544-5303

February 2012: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH IN
Recording Date	Feb 2, 2012
Property Address	314 E 16TH ST, MISHAWAKA, IN 46544-5303
Document Number	0001203072
Map Reference	PB 14 PG S
Instrument Date	Jan 26, 2012
Instrument	1203072
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	METROPOLITAN TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 E 16TH ST, MISHAWAKA, IN 46544-5303

Mortgage

Document Number	0001203073
Date	Feb 2, 2012
Instrument	1203073

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2042

Interest

Rate Type	Fixed Rate

April 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Apr 25, 2007
Property Address	314 E 16TH ST, MISHAWAKA, IN 46544-5303
Document Number	0000715679
Map Reference	MB14 PG S
Instrument Date	Apr 20, 2007
Instrument	0715679
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	METROPOLITAN TITLE IN LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000715680
Date	Apr 25, 2007
Instrument	0715680

Lender

Name	AMERICAN HOME MORTGAGE CORP
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 314 E 16th St was $2,129, up 23.1% 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	$2,129.00 (+23.06%)	$202,600 (+33.99%) Land $43,700 Building $158,900	$202,600 (+33.99%) Land $43,700 Building $158,900
2024	$1,730.00 (-3.24%)	$151,200 (-3.26%) Land $43,700 Building $107,500	$151,200 (-3.26%) Land $43,700 Building $107,500
2023	$1,788.00 (-0.78%)	$156,300 (-) Land $43,700 Building $112,600	$156,300 (-) Land $43,700 Building $112,600
2022	$1,802.00 Homeowner's exemption	$156,300 Land $43,700 Building $112,600	$156,300 Land $43,700 Building $112,600

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

Flood

FEMA maps place 314 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 314 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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