319 River Pointe Dr, Elkhart, IN 46514 Property Records

Elkhart County property record for 319 River Pointe Dr, Elkhart, IN 46514

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,960 sqft · built 2017
Lot Size	0.403 acres (17,555 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Dec 2021)
Tax Bill	$3,949 (2024)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2023 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`20-05-12-203-018.000-006`

Property Details

APN / Parcel Number

Primary APN	`20-05-12-203-018.000-006`
Alternative APN	`0512203018006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,960 sqft Living Area
Gross Area	4,700 sqft
1st Floor Area	1,960 sqft
Basement Area	1,960 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	17,555 sqft (0.403 acres)
Lot Dimensions	150 ft deep x 117 ft wide
Garage Type	Attached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	319 RIVER POINTE DR
City	ELKHART
State	IN
Zip	46514-1458
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	HAINES LEXINGTON LANDING LOT 61
Legal Subdivision	HAINES LEXINGTON LANDING
Legal Block	203
Legal Lot Number	61
Jurisdiction	ELKHART IN
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1038
Census Tract	1501

Owner

Source: Elkhart County records, as of June 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	319 RIVER POINTE DR, ELKHART, IN 46514-1458
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Oct 9, 2023	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Nov 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
May 10, 2019	Deed of Trust, Mortgage · Closed-End Mortgage HOME LOAN AND INVESTMENT BANK FSB
Dec 20, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
Feb 15, 2018	Warranty Deed, Transfer SUPREME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2021 · Amount on Record
Deed Sale	Dec 20, 2021 · Amount on Record
Prior Sale	Feb 15, 2018 · Amount on Record
Deed Document Number	202134103
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Recording Date	Jun 8, 2026
Property Address	319 RIVER POINTE DR, ELKHART, IN 46514-1458
Document Number	0000009953
Instrument Date	Jun 1, 2026
Instrument	20269953
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 RIVER POINTE DR, ELKHART, IN 46514-1458

Mortgage

Document Number	0000009953,
Date	Jun 8, 2026
Instrument	20269953

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Aug 1, 2055

Interest

Rate	6.3%
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	319 RIVER POINTE DR, ELKHART, IN 46514-1458
Transaction Type	Mortgage
Record Updated	Oct 24, 2023
Title Company	NOT AVAILABLE, AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 RIVER POINTE DR, ELKHART, IN 46514-1458

Mortgage

Document Number	0000006994
Date	Oct 9, 2023
Instrument	2023-16994

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Oct 1, 2051

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	319 RIVER POINTE DR, ELKHART, IN 46514-1458
Transaction Type	Mortgage
Record Updated	Feb 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000508
Date	Nov 12, 2021
Instrument	2021-30508

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	319 RIVER POINTE DR, ELKHART, IN 46514-1458
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008920
Date	May 10, 2019
Instrument	2019-08920

Lender

Name	HOME LOAN AND INVESTMENT BANK FSB
Type	Bank
Address	WARWICK, RI 02886

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2029

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Dec 20, 2021
Property Address	319 RIVER POINTE DR, ELKHART, IN 46514-1458
Document Number	0000004103
Instrument Date	Dec 16, 2021
Instrument	2021-34103
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	319 RIVER POINTE DR, ELKHART, IN 46514-1458

Mortgage

Document Number	0000004104
Date	Dec 20, 2021
Instrument	2021-34104

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Feb 15, 2018
Property Address	319 RIVER POINTE DR, ELKHART, IN 46514-1458
Document Number	0000003455
Instrument Date	Feb 14, 2018
Instrument	3455
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	HERITAGE PARKE TITLE LLC

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	319 RIVER POINTE DR ELKHART IN 465141458, ELKHART, IN 46514-1458

Mortgage

Document Number	3456
Date	Feb 15, 2018
Instrument	3456

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 14, 2048

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Cleveland Township
Municipality	Elkhart City
Unified School District	Elkhart Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$410,300 (+5.45%) Land $30,300 Building $380,000	$410,300 (+5.45%) Land $30,300 Building $380,000
2024	$3,949.00 (+13.97%)	$389,100 (+2.75%) Land $30,300 Building $358,800	$389,100 (+2.75%) Land $30,300 Building $358,800
2023		$378,700 (+10.93%) Land $30,300 Building $348,400	$378,700 (+10.93%) Land $30,300 Building $348,400
2022	$3,465.00 Homeowner's exemption	$341,400 Land $30,300 Building $311,100	$341,400 Land $30,300 Building $311,100

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

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	2 (1981)
Most Recent Claim	Jul 1981 · tidal / storm surge

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 73% of Indiana
Wildfire Likelihood	Under 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	ELKHART PUBLIC WORKS AND UTILITIES serves 46,455 people · EPA ID IN5220008
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	2 ppb (2023–2025) 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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Surf Internet.

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