404 Eugene Dr, Middlebury, IN 46540 Property Records

Elkhart County property record for 404 Eugene Dr, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,538 sqft · built 1986
Lot Size	0.241 acres (10,498 sqft)
Owner	Individual Name on Record
Tax Bill	$2,383 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-08-10-454-003.000-035`

Property Details

APN / Parcel Number

Primary APN	`20-08-10-454-003.000-035`
Alternative APN	`0810454003035`

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	1,538 sqft Living Area
1st Floor Area	769 sqft
2nd Floor Area	769 sqft
Basement Area	769 sqft
Flooring	Subfloor
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Asphalt
Lot Area	10,498 sqft (0.241 acres)
Lot Dimensions	131 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	84 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0810454003035
Old Parcel Number	0810454003035
Street Address	404 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 27
Legal Subdivision	MILL RACE MANOR
Legal Block	454
Legal Lot Number	27
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
Mailing Address	404 EUGENE DR, MIDDLEBURY, IN 46540-8408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF MIDDLEBURY
Jan 24, 2017	Warranty Deed, Transfer · Conventional Mortgage MUTUAL BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2017
Deed Sale	Jan 24, 2017
Prior Sale	Jul 24, 2015
Deed Document Number	0000001661
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	404 EUGENE DR, MIDDLEBURY, IN 46540-8408
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005707
Date	Mar 5, 2021
Instrument	2021-05707

Lender

Name	FIRST STATE BANK OF MIDDLEBURY
Type	Bank
Address	MIDDLEBURY, IN 46540

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Jan 24, 2017
Property Address	404 EUGENE DR, MIDDLEBURY, IN 46540-8408
Document Number	0000001661
Map Reference	MB13 PG90
Instrument Date	Jan 20, 2017
Instrument	2017-01661
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 EUGENE DR, MIDDLEBURY, IN 46540-8408

Mortgage

Document Number	0000001662
Date	Jan 24, 2017
Instrument	2017-01662

Lender

Name	MUTUAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

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		$254,400 (+6.71%) Land $27,000 Building $227,400	$254,400 (+6.71%) Land $27,000 Building $227,400
2024	$2,383.00 (+24.7%)	$238,400 (+11.3%) Land $27,000 Building $211,400	$238,400 (+11.3%) Land $27,000 Building $211,400
2023		$214,200 (+12.09%) Land $27,000 Building $187,200	$214,200 (+12.09%) Land $27,000 Building $187,200
2022	$1,911.00 Homeowner's exemption	$191,100 Land $27,000 Building $164,100	$191,100 Land $27,000 Building $164,100

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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