400 Eugene Dr, Middlebury, IN 46540 Property Records

Elkhart County property record for 400 Eugene Dr, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,124 sqft · built 1979
Lot Size	0.301 acres (13,112 sqft)
Owner	Individual Name on Record
Last Sale	$257,500 (Jul 2021)
Tax Bill	$3,023 (2024)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-08-10-454-001.000-035`

Property Details

APN / Parcel Number

Primary APN	`20-08-10-454-001.000-035`
Alternative APN	`0810454001035`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,124 sqft Living Area
1st Floor Area	1,248 sqft
2nd Floor Area	864 sqft
Basement Area	1,248 sqft
Family Room	Family Room
Game Room	Game Room
Flooring	Subfloor
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	13,112 sqft (0.301 acres)
Lot Dimensions	131 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	160 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0810454001035
Old Parcel Number	0810454001035
Street Address	400 EUGENE DR
City	MIDDLEBURY
State	IN
Zip	46540-8408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	MILL RACE MANOR SUBD LOT 29
Legal Subdivision	MILL RACE MANOR
Legal Block	454
Legal Lot Number	29
Jurisdiction	ELKHART IN
Township / Civil Division	MIDDLEBURY
Census Block Group	2
Census Block	2009
Census Tract	801

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
Co-owner	Co-owner on Record
Mailing Address	400 EUGENE DR, MIDDLEBURY, IN 46540-8408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 1, 2020	Deed of Trust, Mortgage INOVA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2021 · Amount on Record
Deed Sale	Jul 13, 2021 · Amount on Record
Deed Document Number	0000008444
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Jul 13, 2021
Property Address	400 EUGENE DR, MIDDLEBURY, IN 46540-8408
Document Number	0000008444
Map Reference	MB 13 PG 90
Instrument Date	Jul 9, 2021
Instrument	2021-18444
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	400 EUGENE DR, MIDDLEBURY, IN 46540-8408
Investor	Possibly a Property Investor

Mortgage

Document Number	0000008445
Date	Jul 13, 2021
Instrument	2021-18445

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	400 EUGENE DR, MIDDLEBURY, IN 46540-8408
Document Number	0000031741
Instrument Date	Jun 1, 2020
Transaction Type	Mortgage
Record Updated	Feb 11, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	201 KRIDER DR MIDDLEBURY IN 465408799, MIDDLEBURY, IN 46540-8799

Mortgage

Document Number	0000031741
Date	Dec 31, 2020
Instrument	31741

Lender

Name	INOVA FCU
Type	Credit Union
Address	ELKHART, IN 46516

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Dec 30, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Middlebury Township
Municipality	Middlebury Town
Unified School District	Middlebury Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$302,600 (+0.1%) Land $30,400 Building $272,200	$302,600 (+0.1%) Land $30,400 Building $272,200
2024	$3,023.00 (+24.51%)	$302,300 (+11.51%) Land $30,400 Building $271,900	$302,300 (+11.51%) Land $30,400 Building $271,900
2023		$271,100 (+11.66%) Land $30,400 Building $240,700	$271,100 (+11.66%) Land $30,400 Building $240,700
2022	$2,428.00 Homeowner's exemption	$242,800 Land $30,400 Building $212,400	$242,800 Land $30,400 Building $212,400

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	1 in force

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 80% of the US · above 73% of Indiana
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MIDDLEBURY WATER DEPARTMENT serves 3,420 people · EPA ID IN5220014
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 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
Surf Internet Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: New Paris Telephone Company.

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