3972 E 400 S, Warsaw, IN 46580 Property Records

Kosciusko County property record for 3972 E 400 S, Warsaw, IN 46580

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,971 sqft · built 2003
Lot Size	3.57 acres (155,509 sqft)
Owner	Individual Name on File
Tax Bill	$3,179 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`009-726007-28`

Property Details

APN / Parcel Number

Primary APN	`009-726007-28`
Alternative APNs	`43-12-31-300-099.000-029` `00000053913` `0972600728`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	13 Rooms
Stories	1 Story
Building Area	1,971 sqft Living Area
1st Floor Area	1,971 sqft
Basement Area	1,971 sqft
Finished Basement	1,118 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Wood
Roof Material	Asphalt
Lot Area	155,509 sqft (3.57 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Shed	1 Shed
Shed Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Solar

Location & Zoning

Account Number	00000053913
Street Address	3972 E 400 S
City	WARSAW
State	IN
Zip	46580-8387
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	9-123-2.B PT SW SW 31-32-7 3.57A
Legal Range	7
Legal Township	32
Legal Section	31
Jurisdiction	KOSCIUSKO IN
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3037
Census Tract	962200

Owner

3972 E 400 S is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	3972 E 400 S, WARSAW, IN 46580-8387
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

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	3972 E 400 S, WARSAW, IN 46580-8387
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3972 E 400 S, WARSAW, IN 46580-8387

Mortgage

Document Number	2023090605
Date	Sep 20, 2023
Instrument	2023090605

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Sep 15, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3972 E 400 S was $3,179 with a homeowner's exemption, up 11% from the year before.

Source: Kosciusko County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Kosciusko County
County Subdivision	Washington Township
Unified School District	Whitko Community School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,179.00 (+11.04%) Homeowner's exemption	$466,000 (+12.86%) Land $46,600 Building $419,400	$466,000 (+12.86%) Land $46,600 Building $419,400
2024	$2,863.00 (-13.16%) Homeowner's exemption	$412,900 (-1.41%) Land $34,100 Building $378,800	$412,900 (-1.41%) Land $34,100 Building $378,800
2023	$3,297.00 (+8.49%)	$418,800 (+3.74%) Land $34,100 Building $384,700	$418,800 (+3.74%) Land $34,100 Building $384,700
2022	$3,039.00	$403,700 Land $34,100 Building $369,600	$403,700 Land $34,100 Building $369,600

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

Flood

FEMA maps place 3972 E 400 S in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 29, 2015

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3972 E 400 S is low, with less than 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 95% of the US · lower than 68% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Kosciusko Connect Fiber	1,000 / 1,000
Mercury Fiber Fixed Wireless	150 / 20