Kosciusko County property record for 3979 E 400 S, Warsaw, IN 46580
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,206 sqft · built 1942 |
| Lot Size | 2.53 acres (110,207 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $140,200 (Aug 2023) |
| Tax Bill | $982 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Aug 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 017-703002-26 |
| Primary APN | 017-703002-26 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,206 sqft Living Area |
| 1st Floor Area | 1,206 sqft |
| Basement Area | 392 sqft |
| Unfinished Basement | 392 sqft |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1970 |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 110,207 sqft (2.53 acres) |
| Terrain | Rolling |
| Garage Type | Mixed |
| Garage Area | 2,010 sqft |
| Parking Spaces | 7 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Milk House | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 00000036401 |
|---|---|
| Street Address | 3979 E 400 S |
| City | WARSAW |
| State | IN |
| Zip | 46580-8388 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | 17-17-1.A TR NE NE 5-31-7 2.53A |
| Legal Range | 7 |
| Legal Township | 31 |
| Legal Section | 5 |
| Jurisdiction | KOSCIUSKO IN |
| Township / Civil Division | MONROE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 962600 |
3979 E 400 S is owned and occupied by two individuals who bought it in August 2023.
Source: Kosciusko County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3979 E 400 S, WARSAW, IN 46580-8388 |
| 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.
| Date | Document |
|---|---|
| Feb 5, 2026 | Deed of Trust, Mortgage · Line of Credit LAKE CITY BANK |
| Aug 21, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 5, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage HORIZON BANK |
| Jul 14, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2023 · Amount on File |
| Deed Sale | Aug 21, 2023 · Amount on File |
| Prior Sale | Jan 5, 2023 · Amount on File |
| Deed Document Number | 202380832 |
| Prior Transfer Date | Jan 4, 2023 |
| Prior Transfer Doc | 2023010114 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KOSCIUSKO IN |
| Property Address | 3979 E 400 S, WARSAW, IN 46580-8388 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3979 E 400 S, WARSAW, IN 46580-8388 |
| Document Number | 2026020150 |
|---|---|
| Date | Feb 5, 2026 |
| Instrument | 2026020150 |
| Name | LAKE CITY BANK |
|---|---|
| Type | Bank |
| Address | WARSAW, IN 46581 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 30, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KOSCIUSKO IN |
| Recording Date | Aug 21, 2023 |
| Property Address | 3979 E 400 S, WARSAW, IN 46580-8388 |
| Document Number | 2023080832 |
| Instrument Date | Aug 17, 2023 |
| Instrument | 2023080832 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Title Company | OMA TITLE, DOMA TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 3979 E 400 S, WARSAW, IN 46580-8388 |
| Document Number | 2023080833 |
|---|---|
| Date | Aug 21, 2023 |
| Instrument | 2023080833 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KOSCIUSKO IN |
| Recording Date | Jan 5, 2023 |
| Property Address | 3979 E 400 S, WARSAW, IN 46580-8388 |
| Document Number | 2023010114 |
| Instrument Date | Jan 4, 2023 |
| Instrument | 2023010114 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3979 E 400 S, WARSAW, IN 46580-8388 |
| Document Number | 2023010115 |
|---|---|
| Date | Jan 5, 2023 |
| Instrument | 2023010115 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KOSCIUSKO IN |
| Recording Date | Jul 14, 2021 |
| Property Address | 3979 E 400 S, WARSAW, IN 46580-8388 |
| Document Number | 2021070710 |
| Instrument Date | Jul 13, 2021 |
| Instrument | 2021070710 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3979 E 400 S, WARSAW, IN 46580-8388 |
The 2025 property tax bill for 3979 E 400 S was $982 with a homeowner's exemption, up 11.1% from the year before.
Source: Kosciusko County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Kosciusko County |
| County Subdivision | Monroe Township |
| Unified School District | Whitko Community School Corporation (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $982.00 (+11.09%) Homeowner's exemption | $166,100 (+15.91%) Land $32,700 Building $133,400 | $166,100 (+15.91%) Land $32,700 Building $133,400 |
| 2024 | $884.00 (+25.75%) Homeowner's exemption | $143,300 (+16.22%) Land $28,400 Building $114,900 | $143,300 (+16.22%) Land $28,400 Building $114,900 |
| 2023 | $703.00 (-11.35%) | $123,300 (-2.38%) Land $28,400 Building $94,900 | $123,300 (-2.38%) Land $28,400 Building $94,900 |
| 2022 | $793.00 | $126,300 Land $36,700 Building $89,600 | $126,300 Land $36,700 Building $89,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3979 E 400 S 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 September 29, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2008) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2008 · river or lake flooding |
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 risk around 3979 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.
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 |
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