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

Kosciusko County property record for 408 E Main St, Silver Lake, IN 46982

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,028 sqft · built 1890
Lot Size	0.179 acres (7,788 sqft)
Owner	Individual Name on Record
Tax Bill	$2,075 (2025)
Deeds & Mortgages	May 2023 Mortgage Sep 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`018-706000-40`

Property Details

APN / Parcel Number

Primary APN	`018-706000-40`
Alternative APNs	`43-18-08-400-016.000-014` `00000037299` `1870600040`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,028 sqft Living Area
1st Floor Area	2,028 sqft
Basement Area	505 sqft
Unfinished Basement	505 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 2010
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	7,788 sqft (0.179 acres)
Lot Dimensions	132 ft deep x 59 ft wide
Garage Type	Detached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00000037299
Street Address	408 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	18-66-51 E 1/2 LOT 93 SELLS ADD TO SILVER LAKE
Legal Range	6
Legal Township	30
Legal Section	8
Legal Subdivision	SILVER LAKE
Legal Lot Number	93
Jurisdiction	KOSCIUSKO IN
Township / Civil Division	LAKE
Census Block Group	3
Census Block	3047
Census Tract	962700

Owner

Source: Kosciusko County records, as of June 23, 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	408 E MAIN ST, SILVER LAKE, IN 46982-8942
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL SAVINGS BANK
Sep 12, 2023	Intrafamily Transfer, Transfer
Jun 30, 2020	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Oct 9, 2019	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Sep 25, 2017	Special Warranty Deed, Transfer METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC
Jun 12, 2017	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2023
Deed Sale	Sep 12, 2023
Prior Sale	Jun 30, 2020 · Amount on Record
Deed Document Number	202390336
Prior Transfer Date	Sep 14, 2009
Prior Transfer Doc	2009090946
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	408 E MAIN ST, SILVER LAKE, IN 46982-8942
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 E MAIN ST, SILVER LAKE, IN 46982-8942

Mortgage

Document Number	2023050805
Date	May 19, 2023
Instrument	2023050805

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank
Address	ROCHESTER, IN 46975

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KOSCIUSKO IN
Recording Date	Sep 12, 2023
Property Address	408 E MAIN ST, SILVER LAKE, IN 46982-8942
Document Number	2023090336
Map Reference	MB 3 PG 372
Instrument Date	Sep 8, 2023
Instrument	2023090336
Transaction Type	Transfer
Record Updated	Oct 11, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 E MAIN ST, SILVER LAKE, IN 46982-8942

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	Jun 30, 2020
Property Address	408 E MAIN ST, SILVER LAKE, IN 46982-8942
Document Number	2020061524
Map Reference	MB 3 PG 372
Instrument Date	Jun 29, 2020
Instrument	2020061524
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	408 E MAIN ST, SILVER LAKE, IN 46982-8942

Mortgage

Document Number	2020061525
Date	Jun 30, 2020
Instrument	2020061525

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	Oct 9, 2019
Property Address	408 E MAIN ST, SILVER LAKE, IN 46982-8942
Document Number	2019100511
Map Reference	MB 3 PG 372
Instrument Date	Oct 8, 2019
Instrument	2019100511
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	NORTH AMERICAN TITLE COMPANY, NORTHERN AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 E MAIN ST, SILVER LAKE, IN 46982-8942

Mortgage

Document Number	2019100512
Date	Oct 9, 2019
Instrument	2019100512

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

September 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	Sep 25, 2017
Property Address	408 E MAIN ST, SILVER LAKE, IN 46982-8942
Document Number	2017090967
Map Reference	MB 3 PG 372
Instrument Date	Sep 20, 2017
Instrument	2017090967
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 E MAIN ST, SILVER LAKE, IN 46982-8942

June 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	Jun 12, 2017
Property Address	408 E MAIN ST, SILVER LAKE, IN 46982-8942
Document Number	2017060424
Map Reference	MB 3 PG 372
Instrument Date	May 18, 2017
Instrument	2017060424
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	333 WESTCHESTER AVE STE 2100, 2100, WHITE PLAINS, NY 10604-2910

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	$2,075.00 (+10.26%) Homeowner's exemption	$223,600 (+27.77%) Land $14,800 Building $208,800	$223,600 (+27.77%) Land $14,800 Building $208,800
2024	$1,882.00 (+4.09%)
2023	$1,808.00 (+81.16%)	$175,000 (+66.67%) Land $9,400 Building $165,600	$175,000 (+66.67%) Land $9,400 Building $165,600
2022	$998.00	$105,000 Land $8,100 Building $96,900	$105,000 Land $8,100 Building $96,900

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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