405 E Main St, Silver Lake, IN 46982 Property Records

Kosciusko County property record for 405 E Main St, Silver Lake, IN 46982

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,104 sqft · built 1950
Lot Size	0.218 acres (9,504 sqft)
Owner	Individual Name on Record
Last Sale	$37,400 (Oct 1999)
Tax Bill	$832 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`018-719001-30`

Property Details

APN / Parcel Number

Primary APN	`018-719001-30`
Alternative APNs	`43-18-05-300-132.000-014` `00000037657` `1871900130`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,104 sqft Living Area
1st Floor Area	1,064 sqft
Attic	Attic
Attic Area	2,080 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1975
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	9,504 sqft (0.218 acres)
Lot Dimensions	144 ft deep x 66 ft wide
Garage Type	Mixed
Garage Area	352 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00000037657
Street Address	405 E MAIN ST
City	SILVER LAKE
State	IN
Zip	46982-8942
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESID
Legal Description	18-31-17 LOT 15 JACOB HOMMANS ADD & TR N LOT .02A
Legal Range	6
Legal Township	30
Legal Section	5
Legal Subdivision	HOMMANS 2ND ADD
Legal Tract	N
Legal Lot Number	15
Jurisdiction	KOSCIUSKO IN
Township / Civil Division	LAKE
Census Block Group	3
Census Block	3046
Census Tract	962700

Owner

Source: Kosciusko County records, as of October 13, 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	405 E MAIN ST, SILVER LAKE, IN 46982-8942
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage LAKE CITY BANK
Aug 21, 2020	Deed of Trust, Mortgage · Line of Credit LAKE CITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 1999 · Amount on Record
Deed Sale	Oct 8, 1999 · Amount on Record
Last Transfer Date	Mar 2, 2006
Transfer Doc	0000002663
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	405 E MAIN ST, SILVER LAKE, IN 46982-8942
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E MAIN ST, SILVER LAKE, IN 46982-8942

Mortgage

Document Number	2025100375
Date	Oct 10, 2025
Instrument	2025100375

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46580

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2035

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	405 E MAIN ST, SILVER LAKE, IN 46982-8942
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E MAIN ST, SILVER LAKE, IN 46982-8942

Mortgage

Document Number	2020080977
Date	Aug 21, 2020
Instrument	2020080977

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46581

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 17, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Kosciusko County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Kosciusko County
County Subdivision	Lake Township
Municipality	Silver Lake Town
Unified School District	Warsaw Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$832.00 (+23.26%) Homeowner's exemption	$113,200 (+24.67%) Land $17,200 Building $96,000	$113,200 (+24.67%) Land $17,200 Building $96,000
2024	$675.00 (-0.44%) Homeowner's exemption	$90,800 (+5.46%) Land $11,000 Building $79,800	$90,800 (+5.46%) Land $11,000 Building $79,800
2023	$678.00 (+11.7%)	$86,100 (+5.13%) Land $11,000 Building $75,100	$86,100 (+5.13%) Land $11,000 Building $75,100
2022	$607.00	$81,900 Land $9,600 Building $72,300	$81,900 Land $9,600 Building $72,300

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 September 29, 2015 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	5 (1982–2008)
Most Recent Claim	Jan 2008 · Severe Storms And Flooding

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 97% of the US · lower than 78% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	SILVER LAKE WATER WORKS serves 1,030 people · EPA ID IN5243021
Water Source	Groundwater
Last State Inspection	Oct 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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 209 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
RTC Communications Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber.

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