402 S Pine St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 402 S Pine St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 588 sqft · built 1900
Lot Size	0.101 acres (4,400 sqft)
Owner	Individual Name on File
Last Sale	$7,792 (Sep 2021)
Tax Bill	$560 (2024)
Deeds & Mortgages	Oct 2009 Line of Credit Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-160-001.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-160-001.000-023`
Alternative APN	`01610230938`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	588 sqft Living Area
1st Floor Area	588 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Roof Material	Asphalt
Lot Area	4,400 sqft (0.101 acres)
Lot Dimensions	110 ft deep x 40 ft wide

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	402 S PINE ST
City	MISHAWAKA
State	IN
Zip	46544-2259
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 MARY SCHMITTS SUB
Legal Subdivision	MARY SCHMITTS SUB
Legal Lot Number	3
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	1
Census Block	1000
Census Tract	10201

Owner

402 S Pine St is owned and occupied by an individual who bought it in September 2021.

Source: St. Joseph County records, as of April 13, 2026

Owner of Record	Individual Name on File
Mailing Address	402 S PINE ST, MISHAWAKA, IN 46544-2259
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

Date	Document
Oct 27, 2009	Deed of Trust, Mortgage · Line of Credit COMMUNITYWIDE FEDERAL CREDIT UNION
Apr 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST SOURCE BANK
Sep 20, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2021 · Amount on File
Deed Sale	Sep 20, 2021 · Amount on File
Deed Document Number	202132904
Record Updated	Sep 20, 2026

October 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	402 S PINE ST, MISHAWAKA, IN 46544-2259
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000935631
Date	Oct 27, 2009
Instrument	0935631

Lender

Name	COMMUNITYWIDE FEDERAL CREDIT UNION
Address	SOUTH BEND, IN 46619

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Oct 26, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	402 S PINE ST, MISHAWAKA, IN 46544-2259
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002211472
Date	Apr 20, 2022
Instrument	2211472

Lender

Name	FIRST SOURCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	204 Months
Due	May 1, 2039

Interest

Rate Type	Adjustable Rate

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Sep 20, 2021
Property Address	402 S PINE ST, MISHAWAKA, IN 46544-2259
Document Number	0002132904
Instrument Date	Sep 20, 2021
Instrument	2132904
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	56279 ORCHID RD, SOUTH BEND, IN 46619-1120

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19325 PALISADE AVE, SOUTH BEND, IN 46637-2122

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of March 11, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	St. Joseph County
County Subdivision	Penn Township
Municipality	Mishawaka City
Unified School District	Mishawaka School City (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$55,000 Land $19,900 Building $35,100	$55,000 Land $19,900 Building $35,100
2024	$560.00 (+12.9%)
2023	$496.00 (-30.63%)	$57,100 (-) Land $19,900 Building $37,200	$57,100 (-) Land $19,900 Building $37,200
2022	$715.00	$57,100 Land $19,900 Building $37,200	$57,100 Land $19,900 Building $37,200

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

Flood

FEMA maps place 402 S Pine St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 15, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

The area around 402 S Pine St has no burnable land within ember reach, so its wildfire risk is not rated.

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	MISHAWAKA UTILITIES serves 49,675 people · EPA ID IN5271009
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	7 ppb (2024–2026) 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 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Mercury Fiber, Verizon.

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