331 E Emerald St, Elkhart, IN 46514 Property Records

Elkhart County property record for 331 E Emerald St, Elkhart, IN 46514

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1946
Lot Size	0.153 acres (6,708 sqft)
Owner	Individual Name on Record
Tax Bill	$1,306 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-02-32-405-007.000-027`

Property Details

APN / Parcel Number

Primary APN	`20-02-32-405-007.000-027`
Alternative APN	`0232405007027`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
1st Floor Area	768 sqft
Basement Area	768 sqft
Game Room	Game Room
Flooring	Subfloor

Exterior

Year Built	Built 1946
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Asphalt
Lot Area	6,708 sqft (0.153 acres)
Lot Dimensions	140 ft deep x 48 ft wide
Garage Type	Mixed
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0232405007027
Old Parcel Number	0232405007027
Street Address	331 E EMERALD ST
City	ELKHART
State	IN
Zip	46514-3241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	CHRISTIANA PLACE LOT 156
Legal Subdivision	CHRISTIANA PLACE
Legal Block	405
Legal Lot Number	156
Jurisdiction	ELKHART IN
Township / Civil Division	OSOLO
Census Block Group	2
Census Block	2033
Census Tract	1601

Owner

Source: Elkhart County records, as of March 5, 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	331 E EMERALD ST, ELKHART, IN 46514-3241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF MIDDLEBURY
Jun 6, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2004
Deed Sale	Oct 18, 2004
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	331 E EMERALD ST, ELKHART, IN 46514-3241
Transaction Type	Mortgage
Record Updated	Nov 15, 2021
Title Company	MERIDIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009542
Date	Nov 2, 2021
Instrument	2021-29542

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	331 E EMERALD ST, ELKHART, IN 46514-3241
Document Number	0000011957
Instrument Date	Jun 6, 2017
Transaction Type	Mortgage
Record Updated	Jun 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 E EMERALD ST ELKHART IN 465143241, ELKHART, IN 46514-3241

Mortgage

Document Number	0000011957
Date	Jun 13, 2017
Instrument	11957

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 12, 2032

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Osolo 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		$137,400 (+7.34%) Land $10,900 Building $126,500	$137,400 (+7.34%) Land $10,900 Building $126,500
2024	$1,306.00 (+6.87%)	$128,000 (+8.75%) Land $10,900 Building $117,100	$128,000 (+8.75%) Land $10,900 Building $117,100
2023		$117,700 (+11.56%) Land $10,900 Building $106,800	$117,700 (+11.56%) Land $10,900 Building $106,800
2022	$1,222.00	$105,500 Land $10,900 Building $94,600	$105,500 Land $10,900 Building $94,600

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1981)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1981 · 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

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	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 403 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Surf Internet.

Nearby Properties on E Emerald St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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