405 E Centennial St, Nappanee, IN 46550 Property Records

Elkhart County property record for 405 E Centennial St, Nappanee, IN 46550 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,012 sqft · built 1895
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$175,900 (Jun 2021)
Tax Bill	$1,943 (2024)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-14-31-178-003.000-029`

Property Details

APN / Parcel Number

Primary APN	`20-14-31-178-003.000-029`
Alternative APN	`1431178003029`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,012 sqft Living Area
1st Floor Area	1,204 sqft
2nd Floor Area	808 sqft
Flooring	Subfloor
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1950
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	132 ft deep x 56 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	576 sqft
Porch	Porch
Porch Area	120 sqft
Patio Area	284 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1431178003029
Old Parcel Number	1431178003029
Street Address	405 E CENTENNIAL ST
City	NAPPANEE
State	IN
Zip	46550-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARTMANS 2ND E 55.6FT LOT 39
Legal Subdivision	HARTMANS 2ND E 556FT
Legal Block	178
Legal Lot Number	39
Jurisdiction	ELKHART IN
Township / Civil Division	UNION
Census Block Group	3
Census Block	3031
Census Tract	1200

Owner

Source: Elkhart County records · APN 20-14-31-178-003.000-029

Assessment roll updated July 1, 2025 · Last verified March 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 File
Mailing Address	405 E CENTENNIAL ST, NAPPANEE, IN 46550-1405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 11, 2021 · Amount on Record
Deed Sale	Jun 11, 2021 · Amount on Record
Prior Sale	Aug 02, 2002
Deed Document Number	0000005543
Record Updated	Jun 08, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Jun 11, 2021
Property Address	405 E CENTENNIAL ST, NAPPANEE, IN 46550-1405
Document Number	0000005543
Map Reference	DD 52 PG 305
Instrument Date	Jun 10, 2021
Instrument	2021-15543
Transaction Type	Transfer
Record Updated	Feb 07, 2023
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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

Mortgage

Document Number	0000005544
Date	Jun 11, 2021
Instrument	2021-15544

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

Tax Assessment & Valuation

Source: Elkhart County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Union Township
Municipality	Nappanee City
Unified School District	Wa-Nee Community Schools (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$210,500 (+11.02%) Land $19,600 Building $190,900	$210,500 (+11.02%) Land $19,600 Building $190,900
2024	$1,943.00 (+4.24%)	$189,600 (+7.3%) Land $19,600 Building $170,000	$189,600 (+7.3%) Land $19,600 Building $170,000
2023		$176,700 (+6%) Land $19,600 Building $157,100	$176,700 (+6%) Land $19,600 Building $157,100
2022	$1,864.00 Homeowner's exemption	$166,700 Land $19,600 Building $147,100	$166,700 Land $19,600 Building $147,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Elkhart County (18039C), updated August 22, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Nappaness Eastside Historic District listed 2003 · 138 contributing resources · NRIS 03001321

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.