406 Morningside Dr, Nappanee, IN 46550 Property Records

Elkhart County property record for 406 Morningside Dr, Nappanee, IN 46550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1947
Lot Size	0.201 acres (8,756 sqft)
Owner	2 Owner Names on Record
Tax Bill	$1,563 (2024)
Deeds & Mortgages	Jun 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-14-31-251-004.000-029`

Property Details

APN / Parcel Number

Primary APN	`20-14-31-251-004.000-029`
Alternative APN	`1431251004029`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	846 sqft
Flooring	Subfloor

Exterior

Year Built	Built 1947
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Asphalt
Lot Area	8,756 sqft (0.201 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	672 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	224 sqft
Patio Area	384 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1431251004029
Old Parcel Number	1431251004029
Street Address	406 MORNINGSIDE DR
City	NAPPANEE
State	IN
Zip	46550-2227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	VICTORY HOMES ADD LOT 9
Legal Subdivision	VICTORY HOMES ADD
Legal Block	251
Legal Lot Number	9
Jurisdiction	ELKHART IN
Township / Civil Division	UNION
Census Block Group	3
Census Block	3021
Census Tract	1200

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 Owner Names on Record
Mailing Address	406 MORNINGSIDE DR, NAPPANEE, IN 46550-2227
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2005
Deed Sale	Apr 27, 2005
Prior Sale	Apr 27, 2005
Deed Document Number	0000012377
Last Transfer Date	Oct 11, 2012
Transfer Doc	0000024567
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	406 MORNINGSIDE DR, NAPPANEE, IN 46550-2227
Transaction Type	Mortgage
Record Updated	Aug 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002192
Date	Jun 8, 2022
Instrument	2022-12192

Lender

Name	1ST SOURCE BANK
Type	Bank
Address	NAPPANEE, IN 46550

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	144 Months
Due	Jun 15, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of July 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$169,800 (+11.13%) Land $24,000 Building $145,800	$169,800 (+11.13%) Land $24,000 Building $145,800
2024	$1,563.00 (+17.52%)	$152,800 (+6.7%) Land $24,000 Building $128,800	$152,800 (+6.7%) Land $24,000 Building $128,800
2023		$143,200 (+10.32%) Land $24,000 Building $119,200	$143,200 (+10.32%) Land $24,000 Building $119,200
2022	$1,330.00 Homeowner's exemption	$129,800 Land $24,000 Building $105,800	$129,800 Land $24,000 Building $105,800

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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 99.1% of the US · lower than 94% 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	NAPPANEE WATER UTILITY serves 6,800 people · EPA ID IN5220016
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	1 ppb (2023–2025) 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 393 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
New Paris Telephone Company Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Fourway, Verizon, Xfinity.

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