405 Eugene Dr, Middlebury, IN 46540 Property Records

Elkhart County property record for 405 Eugene Dr, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,576 sqft · built 1979
Lot Size	0.276 acres (12,066 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,687 (2024)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-08-10-452-034.000-035`

Property Details

APN / Parcel Number

Primary APN	`20-08-10-452-034.000-035`
Alternative APN	`0810452034035`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,576 sqft Living Area
1st Floor Area	1,576 sqft
Basement Area	1,576 sqft
Family Room	Family Room
Game Room	Game Room
Flooring	Subfloor
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	12,066 sqft (0.276 acres)
Lot Dimensions	151 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Patio Area	276 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0810452034035
Old Parcel Number	0810452034035
Street Address	405 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 17
Legal Subdivision	MILL RACE MANOR
Legal Block	452
Legal Lot Number	17
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	2 Individual Names on Record
Mailing Address	405 EUGENE DR, MIDDLEBURY, IN 46540-8409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2020
Deed Sale	Jun 19, 2020
Prior Sale	Mar 24, 2014
Deed Document Number	2020-13132
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Jun 19, 2020
Property Address	405 EUGENE DR, MIDDLEBURY, IN 46540-8409
Document Number	0000013127
Instrument Date	May 11, 2020
Instrument	13127
Transaction Type	Transfer
Record Updated	Jul 9, 2020
Title Company	MTC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 EUGENE DR MIDDLEBURY IN 465408409, MIDDLEBURY, IN 46540-8409

Mortgage

Document Number	13133
Date	Jun 19, 2020
Instrument	13133

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2050

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		$271,200 (+0.93%) Land $28,800 Building $242,400	$271,200 (+0.93%) Land $28,800 Building $242,400
2024	$2,687.00 (+23.31%)	$268,700 (+11.26%) Land $28,800 Building $239,900	$268,700 (+11.26%) Land $28,800 Building $239,900
2023		$241,500 (+13.86%) Land $28,800 Building $212,700	$241,500 (+13.86%) Land $28,800 Building $212,700
2022	$2,179.00 Homeowner's exemption	$212,100 Land $28,800 Building $183,300	$212,100 Land $28,800 Building $183,300

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 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.

Nearby Properties on Eugene Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures