315 Third St, Saint Joe, IN 46785 Property Records

DeKalb County property record for 315 Third St, Saint Joe, IN 46785

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,758 sqft · built 2005
Lot Size	1.6 acres (69,696 sqft)
Owner	Individual Name on File
Last Sale	$28,500 (Sep 1998)
Tax Bill	$746 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-11-15-381-005.000-003`

Property Details

APN / Parcel Number

Primary APN	`17-11-15-381-005.000-003`
Alternative APN	`301115381005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,758 sqft Living Area
1st Floor Area	1,758 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Mobile Home
Construction Type	Wood
Roof Material	Asphalt
Lot Area	69,696 sqft (1.6 acres)
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Other

Location & Zoning

Account Number	301115381005
Street Address	315 THIRD ST
City	SAINT JOE
State	IN
Zip	46785-9701
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	IN S PT SW1/4 SECTION 15 TWP 33 RANGE 14 ACRES 1.6000
Jurisdiction	DE KALB IN
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1068
Census Tract	20800

Owner

315 Third St, a mobile home, is owned and occupied by an individual who bought it in September 1998.

Source: DeKalb County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	315 THIRD ST, SAINT JOE, IN 46785-9701
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 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage PROFED FEDERAL CREDIT UNION
Aug 4, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 1998 · Amount on File
Deed Sale	Sep 18, 1998 · Amount on File
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Recording Date	Apr 15, 2026
Property Address	315 THIRD ST, SAINT JOE, IN 46785-9701
Document Number	0000001872
Instrument Date	Apr 10, 2026
Instrument	20261872
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CENTURION LAND TITLE INC, CENTURION LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 THIRD ST, SAINT JOE, IN 46785-9701

Mortgage

Document Number	0000001872,
Date	Apr 15, 2026
Instrument	20261872

Lender

Name	PROFED FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IN
Property Address	315 THIRD ST, SAINT JOE, IN 46785-9701
Transaction Type	Mortgage
Record Updated	May 4, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 THIRD ST, SAINT JOE, IN 46785-9701

Mortgage

Document Number	0202105642
Date	Aug 4, 2021
Instrument	202105642

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	227 Months
Due	Jul 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 315 Third St was $746, down 1.3% from the year before.

Source: DeKalb County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	DeKalb County
County Subdivision	Concord Township
Municipality	St. Joe Town
Unified School District	DeKalb County Eastern Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$746.00 (-1.32%)	$123,700 Land $36,900 Building $86,800	$123,700 Land $36,900 Building $86,800
2024	$756.00 (+35.73%)
2023	$557.00 (+10.96%)	$100,600 (+8.64%) Land $32,900 Building $67,700	$100,600 (+8.64%) Land $32,900 Building $67,700
2022	$502.00	$92,600 Land $29,600 Building $63,000	$92,600 Land $29,600 Building $63,000

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

Flood

FEMA maps place 315 Third St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 27, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1982)
Most Recent Claim	Mar 1982 · 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

Wildfire risk around 315 Third 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ST. JOE WATER DEPARTMENT serves 460 people · EPA ID IN5217006
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Aug 2025 Lead service line inventory Oct 2024
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 174 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Lakeland Internet, Mercury Fiber, MetaLINK Technologies, Watch TV.

Cell Coverage

5G and 4G LTE (outdoors only)

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