403 Eugene Dr, Middlebury, IN 46540 Property Records

Elkhart County property record for 403 Eugene Dr, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,390 sqft · built 1980
Lot Size	0.277 acres (12,066 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,986 (Jul 2018)
Tax Bill	$2,469 (2024)
Deeds & Mortgages	Jun 2023 Line of Credit Jul 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-08-10-452-033.000-035`

Property Details

APN / Parcel Number

Primary APN	`20-08-10-452-033.000-035`
Alternative APN	`0810452033035`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,390 sqft Living Area
Gross Area	3,264 sqft
1st Floor Area	1,390 sqft
Basement Area	1,390 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,066 sqft (0.277 acres)
Lot Dimensions	151 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	65 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	403 EUGENE DR
City	MIDDLEBURY
State	IN
Zip	46540-8409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	MILL RACE MANOR SUBD LOT 16
Legal Subdivision	MILL RACE MANOR SUBD
Legal Block	452
Legal Lot Number	16
Jurisdiction	ELKHART IN
Township / Civil Division	MIDDLEBURY
Census Block Group	2
Census Block	2009
Census Tract	801

Owner

Source: Elkhart County records, as of June 2, 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	403 EUGENE DR, MIDDLEBURY, IN 46540-8409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2023	Deed of Trust, Mortgage · Line of Credit INTERRA CU
Jul 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL SAVINGS BANK
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL SAVINGS BANK
Sep 21, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2018 · Amount on Record
Deed Sale	Jul 11, 2018 · Amount on Record
Prior Sale	Nov 13, 2015
Deed Document Number	201813844
Last Transfer Date	Sep 10, 2018
Transfer Doc	0000019635
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	403 EUGENE DR, MIDDLEBURY, IN 46540-8409
Transaction Type	Mortgage
Record Updated	Jun 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009031
Date	Jun 9, 2023
Instrument	2023-09031

Lender

Name	INTERRA CU
Type	Credit Union
Address	GOSHEN, IN 46527

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 5, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	403 EUGENE DR, MIDDLEBURY, IN 46540-8409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013845
Date	Jul 11, 2018
Instrument	2018-13845

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank
Address	ROCHESTER, IN 46975

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	403 EUGENE DR, MIDDLEBURY, IN 46540-8409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024043
Date	Oct 14, 2020
Instrument	2020-24043

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank
Address	48975

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

September 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ELKHART IN
Recording Date	Sep 21, 2018
Property Address	403 EUGENE DR, MIDDLEBURY, IN 46540-8409
Document Number	0000019635
Instrument Date	Sep 10, 2018
Instrument	19635
Transaction Type	Transfer
Record Updated	Oct 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 HIDDEN MEADOW LN MIDDLEBURY IN 465409227, MIDDLEBURY, IN 46540-9227

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of December 29, 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		$264,100 (+6.97%) Land $28,800 Building $235,300	$264,100 (+6.97%) Land $28,800 Building $235,300
2024	$2,469.00 (+21.63%)	$246,900 (+11.27%) Land $28,800 Building $218,100	$246,900 (+11.27%) Land $28,800 Building $218,100
2023		$221,900 (+11.34%) Land $28,800 Building $193,100	$221,900 (+11.34%) Land $28,800 Building $193,100
2022	$2,030.00 Homeowner's exemption	$199,300 Land $28,800 Building $170,500	$199,300 Land $28,800 Building $170,500

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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