406 E Lawrence St, Middlebury, IN 46540 Property Records

Elkhart County property record for 406 E Lawrence St, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,120 sqft · built 1958
Lot Size	0.176 acres (7,667 sqft)
Owner	Individual Name on File
Tax Bill	$1,775 (2024)
Deeds & Mortgages	Sep 2025 Sale Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-08-10-411-010.000-035`

Property Details

APN / Parcel Number

Primary APN	`20-08-10-411-010.000-035`
Alternative APN	`0810411010035`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Gross Area	2,240 sqft
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Family Room	Family Room
Game Room	Game Room

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1977
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,667 sqft (0.176 acres)
Lot Dimensions	79 ft deep x 97 ft wide
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	406 E LAWRENCE ST
City	MIDDLEBURY
State	IN
Zip	46540-8428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	MIDDLEBURY 100X88-246FT E SW COR OF LOT 6 BLK 41 & PT BEING PT LOTS 7 & 8 & EAST MIDDLEBURY REPLAT OUT LOT B
Legal Subdivision	MIDDLEBURY
Legal Block	41
Legal Lot Number	6,7,8
Jurisdiction	ELKHART IN
Township / Civil Division	MIDDLEBURY
Census Block Group	2
Census Block	2009
Census Tract	801

Owner

406 E Lawrence St is owned and occupied by an individual who acquired it in September 2025.

Source: Elkhart County records, as of August 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	406 E LAWRENCE ST, MIDDLEBURY, IN 46540-8428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2025	Warranty Deed, Transfer NEAR NORTH TITLE GROUP, NEAR NORTH TITLE GROUP LLC
Aug 12, 2022	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 5, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage INTERRA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2025
Deed Sale	Sep 8, 2025
Prior Sale	Aug 12, 2022 · Amount on File
Deed Document Number	202515444
Prior Transfer Date	Mar 1, 2021
Prior Transfer Doc	0000005782
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Sep 8, 2025
Property Address	406 E LAWRENCE ST, MIDDLEBURY, IN 46540-8428
Document Number	0000005444
Map Reference	MB 15 PG 86
Instrument Date	Sep 3, 2025
Instrument	2025-15444
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	NEAR NORTH TITLE GROUP, NEAR NORTH TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E LAWRENCE ST, MIDDLEBURY, IN 46540-8428

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Aug 12, 2022
Property Address	406 E LAWRENCE ST, MIDDLEBURY, IN 46540-8428
Document Number	0000007487
Map Reference	MB 15 PG 86
Instrument Date	Aug 10, 2022
Instrument	2022-17487
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount on Record
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
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E LAWRENCE ST, MIDDLEBURY, IN 46540-8428

Mortgage

Document Number	0000007488
Date	Aug 12, 2022
Instrument	2022-17488

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Mortgage

Document Number	0000007489
Date	Aug 12, 2022
Instrument	2022-17489

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKHART IN
Recording Date	Mar 5, 2021
Property Address	406 E LAWRENCE ST, MIDDLEBURY, IN 46540-8428
Document Number	0000005782
Map Reference	MB 15 PG 86
Instrument Date	Mar 1, 2021
Instrument	2021-05782
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E LAWRENCE ST, MIDDLEBURY, IN 46540-8428

Mortgage

Document Number	0000005783
Date	Mar 5, 2021
Instrument	2021-05783

Lender

Name	INTERRA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of December 29, 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		$187,800 (+5.8%) Land $24,800 Building $163,000	$187,800 (+5.8%) Land $24,800 Building $163,000
2024	$1,775.00	$177,500 (+11.01%) Land $24,800 Building $152,700	$177,500 (+11.01%) Land $24,800 Building $152,700
2023		$159,900 (+28.23%) Land $24,800 Building $135,100	$159,900 (+28.23%) Land $24,800 Building $135,100
2022	$1,247.00 Homeowner's exemption	$124,700 Land $24,800 Building $99,900	$124,700 Land $24,800 Building $99,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 406 E Lawrence St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 406 E Lawrence St is low, with less than 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 93% of the US · above 45% of Indiana
Wildfire Likelihood	Under 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 276 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, New Paris Telephone Company.

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