3809 E Saddle Dr, Fort Wayne, IN 46804 Property Records

Allen County property record for 3809 E Saddle Dr, Fort Wayne, IN 46804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 3,356 sqft · built 1969
Lot Size	0.448 acres (19,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$328,510 (Sep 2025)
Tax Bill	$2,261 (2025)
Deeds & Mortgages	Dec 2009 Mortgage Jul 2008 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-11-15-479-001.000-075`

Property Details

APN / Parcel Number

Primary APN	`02-11-15-479-001.000-075`
Alternative APN	`1120050038`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,356 sqft Living Area
Gross Area	3,774 sqft
1st Floor Area	1,678 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1972
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	19,500 sqft (0.448 acres)
Lot Dimensions	1,950 ft deep x 1,000 ft wide
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3809 E SADDLE DR
City	FORT WAYNE
State	IN
Zip	46804-3925
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ABOITE MEADOWS SEC B LOT 38
Legal Subdivision	ABOITE MEADOWS
Legal Lot Number	38
Jurisdiction	ALLEN IN
Township / Civil Division	ABOITE
Census Block Group	3
Census Block	3014
Census Tract	11603

Owner

Source: Allen County records, as of May 27, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3809 E SADDLE DR, FORT WAYNE, IN 46804-3925
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2009	Deed of Trust, Mortgage · FHA Mortgage POLARIS HOME FUNDING CORP
Jul 21, 2008	Deed of Trust, Mortgage · Line of Credit TOWER BANK & TRUST CO
Sep 30, 2025	Personal Representative Deed, Transfer · Conventional Mortgage GVC MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025 · Amount on Record
Deed Sale	Sep 30, 2025 · Amount on Record
Prior Sale	Dec 5, 2002 · Amount on Record
Deed Document Number	202544246
Record Updated	Oct 29, 2026

December 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN IN
Property Address	3809 E SADDLE DR, FORT WAYNE, IN 46804-3925
Transaction Type	Mortgage
Record Updated	May 12, 2026
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009066924
Date	Dec 31, 2009
Instrument	2009066924

Lender

Name	POLARIS HOME FUNDING CORP
Type	Lending Institution
Address	GRANDVILLE, MI 49418

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2040

July 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN IN
Property Address	3809 E SADDLE DR, FORT WAYNE, IN 46804-3925
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2008034933
Date	Jul 21, 2008
Instrument	2008034933

Lender

Name	TOWER BANK & TRUST CO
Type	Bank
Address	FORT WAYNE, IN 46814

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 18, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	ALLEN IN
Recording Date	Sep 30, 2025
Property Address	3809 E SADDLE DR, FORT WAYNE, IN 46804-3925
Document Number	2025044246
Map Reference	PL 27 PG 148&149
Instrument Date	Sep 30, 2025
Instrument	2025044246
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	PARTNERS IN TITLE LLC, PARTNERS TITLE LLC

Transaction

Amount	Amount Recorded
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
Address	3809 E SADDLE DR, FORT WAYNE, IN 46804-3925

Mortgage

Document Number	2025044247
Date	Sep 30, 2025
Instrument	2025044247

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

Source: Allen County assessment roll, as of May 27, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,261.00 (-6.45%)	$232,800 (+2.96%) Land $49,500 Building $183,300	$232,800 (+2.96%) Land $49,500 Building $183,300
2024	$2,417.00 (+19.36%)	$226,100 (+14.6%) Land $49,500 Building $176,600	$226,100 (+14.6%) Land $49,500 Building $176,600
2023	$2,025.00 (+7.6%)	$197,300 (+12.17%) Land $20,300 Building $177,000	$197,300 (+12.17%) Land $20,300 Building $177,000
2022	$1,882.00 Homeowner's exemption	$175,900 Land $20,300 Building $155,600	$175,900 Land $20,300 Building $155,600

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 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	1 in force
Nearby Flood Claims	1 (1980)
Most Recent Claim	Jun 1980 · 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 99.1% of the US · lower than 94% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 448 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
Lakeland Internet Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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