407 Eugene Dr, Middlebury, IN 46540 Property Records

Elkhart County property record for 407 Eugene Dr, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,100 sqft · built 1979
Lot Size	0.276 acres (12,066 sqft)
Owner	Individual Name on Record
Tax Bill	$2,575 (2024)
Deeds & Mortgages	Jun 2020 Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-08-10-452-035.000-035`

Property Details

APN / Parcel Number

Primary APN	`20-08-10-452-035.000-035`
Alternative APN	`0810452035035`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,100 sqft Living Area
1st Floor Area	960 sqft
2nd Floor Area	1,140 sqft
Basement Area	960 sqft
Family Room	Family Room
Flooring	Subfloor
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
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	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	288 sqft
Patio Area	40 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0810452035035
Old Parcel Number	0810452035035
Street Address	407 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 18
Legal Subdivision	MILL RACE MANOR
Legal Block	452
Legal Lot Number	18
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	407 EUGENE DR, MIDDLEBURY, IN 46540-8409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 22, 2018	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2018
Deed Sale	Mar 22, 2018
Deed Document Number	0000005727
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	407 EUGENE DR, MIDDLEBURY, IN 46540-8409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011581
Date	Jun 3, 2020
Instrument	2020-11581

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Mar 22, 2018
Property Address	407 EUGENE DR, MIDDLEBURY, IN 46540-8409
Document Number	0000005727
Map Reference	MB13 PG90
Instrument Date	Mar 16, 2018
Instrument	2018-05727
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	METROPOLITAN TITLE OF IN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 EUGENE DR, MIDDLEBURY, IN 46540-8409

Mortgage

Document Number	0000005728
Date	Mar 22, 2018
Instrument	2018-05728

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Mortgage

Document Number	0000005729
Date	Mar 22, 2018
Instrument	2018-05729

Lender

Name	INDIANA HOUSING & COMMUNITY DEVELOPMENT
Type	Government Agency
Address	MIDDLEBURY, IN 46540

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Mar 16, 2020

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		$255,600 (-0.74%) Land $28,800 Building $226,800	$255,600 (-0.74%) Land $28,800 Building $226,800
2024	$2,575.00 (+22.68%)	$257,500 (+11.38%) Land $28,800 Building $228,700	$257,500 (+11.38%) Land $28,800 Building $228,700
2023		$231,200 (+11.42%) Land $28,800 Building $202,400	$231,200 (+11.42%) Land $28,800 Building $202,400
2022	$2,099.00 Homeowner's exemption	$207,500 Land $28,800 Building $178,700	$207,500 Land $28,800 Building $178,700

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.

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