Elkhart County property record for 403 Wayne St, Middlebury, IN 46540
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,452 sqft · built 1890 |
| Lot Size | 0.91 acres (39,683 sqft) |
| Owner | 2 Owner Names on File |
| Tax Bill | $1,684 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-08-10-376-002.000-035 |
| Primary APN | 20-08-10-376-002.000-035 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,452 sqft Living Area |
| 1st Floor Area | 1,052 sqft |
| 2nd Floor Area | 400 sqft |
| Basement Area | 400 sqft |
| Flooring | Subfloor |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1933 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 39,683 sqft (0.91 acres) |
| Lot Dimensions | 239 ft deep x 167 ft wide |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 344 sqft |
| Deck Area | 355 sqft |
| Lean-To | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0810376002035 |
|---|---|
| Old Parcel Number | 0810376002035 |
| Street Address | 403 WAYNE ST |
| City | MIDDLEBURY |
| State | IN |
| Zip | 46540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZO01 |
| Legal Description | ORIG PT LOT 5 & LOTS 6 THRU 10 BLK 43 & W1/2 VAC ST ADJ E |
| Legal Subdivision | ORIG PT |
| Legal Block | 43 |
| Legal Lot Number | 5,6-10 7 |
| Jurisdiction | ELKHART IN |
| Township / Civil Division | MIDDLEBURY |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 804 |
The current owner of 403 Wayne St acquired it in January 2014.
Source: Elkhart County records, as of March 5, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | PO BOX 1397, MIDDLEBURY, IN 46540-1397 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 3, 2014 |
| Transfer Doc | 0000000160 |
| Record Updated | Jun 8, 2026 |
Source: Elkhart County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Elkhart County |
| County Subdivision | Middlebury Township |
| Municipality | Middlebury Town |
| Unified School District | Middlebury Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $176,300 (+4.69%) Land $20,000 Building $156,300 | $176,300 (+4.69%) Land $20,000 Building $156,300 | |
| 2024 | $1,684.00 | $168,400 (+4.21%) Land $20,000 Building $148,400 | $168,400 (+4.21%) Land $20,000 Building $148,400 |
| 2023 | $161,600 (+11.22%) Land $20,100 Building $141,500 | $161,600 (+11.22%) Land $20,100 Building $141,500 | |
| 2022 | $1,495.00 Homeowner's exemption | $145,300 Land $20,100 Building $125,200 | $145,300 Land $20,100 Building $125,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 Wayne St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 22, 2024
| 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 risk around 403 Wayne St is low, with 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 80% of the US · above 73% of Indiana |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 163 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Internet Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Frontier, Mercury Fiber, New Paris Telephone Company.
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