409 E Warren St, Middlebury, IN 46540 Property Records

Elkhart County property record for 409 E Warren St, Middlebury, IN 46540

Property Summary

Property Type	Apartments (5+ Units)
Details	16 bd · 20 ba · 19,744 sqft · built 1968
Lot Size	2.03 acres (88,427 sqft)
Owner	Company Name on Record
Last Sale	$1,497,069 (Oct 2022)
Tax Bill	$19,000 (2024)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Sep 2020 Loan Modification
Flood Zone	Zone AE (high risk)
APN	`20-08-10-427-008.000-035`

Property Details

APN / Parcel Number

Primary APN	`20-08-10-427-008.000-035`
Alternative APN	`0810427008035`

Interior

Bedrooms	16 Beds
Full Baths	20 Baths
Plumbing Fixtures	20 Plumbing Fixtures
Total Rooms	44 Rooms
Units	28 Units
Stories	1 Story
Building Area	19,744 sqft Living Area
Gross Area	22,624 sqft
1st Floor Area	19,744 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Row Home
Exterior Material	Frame/Masonry
Construction Type	Frame
Roof Material	Asphalt
Lot Area	88,427 sqft (2.03 acres)
Garage Type	Attached
Garage Area	576 sqft

Exterior Amenities

Porch	Porch
Porch Area	1,692 sqft
Patio Area	2,520 sqft
Total Buildings	8 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	409 E WARREN ST
City	MIDDLEBURY
State	IN
Zip	46540-9764
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	ZO01
Legal Description	EAST MIDDLEBURY REPLAT OUT LOT A
Legal Subdivision	EAST MIDDLEBURY
Legal Lot Number	A
Jurisdiction	ELKHART IN
Township / Civil Division	MIDDLEBURY
Census Block Group	2
Census Block	2009
Census Tract	801

Owner

Source: Elkhart County records, as of October 9, 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	Company Name on Record
Mailing Address	58320 CRYSTAL SPRINGS DR, GOSHEN, IN 46528-9115
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2022	Warranty Deed, Transfer · Commercial Mortgage FIRST STATE BANK OF MIDDLEBURY
Sep 15, 2020	Loan Modification, Mortgage · Line of Credit INTERRA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2022 · Amount on Record
Deed Sale	Oct 28, 2022 · Amount on Record
Prior Sale	Aug 1, 2017
Deed Document Number	202223070
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Oct 28, 2022
Property Address	409 E WARREN ST, MIDDLEBURY, IN 46540-9764
Document Number	0000003070
Map Reference	MB 15 PG 86
Instrument Date	Oct 20, 2022
Instrument	2022-23070
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	409 KWARREN, MIDDLEBURY, IN 46540

Mortgage

Document Number	0000003072
Date	Oct 28, 2022
Instrument	2022-23072

Lender

Name	FIRST STATE BANK OF MIDDLEBURY
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2052

Interest

Rate Type	Adjustable Rate

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ELKHART IN
Property Address	409 E WARREN ST, MIDDLEBURY, IN 46540-9764
Document Number	0000022262
Instrument Date	Sep 15, 2020
Transaction Type	Mortgage
Record Updated	Oct 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	409 E WARREN ST MIDDLEBURY IN 465409764, MIDDLEBURY, IN 46540-9764

Mortgage

Document Number	0000022262
Date	Sep 25, 2020
Instrument	22262

Lender

Name	INTERRA CU
Type	Credit Union
Address	GOSHEN, IN 46527

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Sep 24, 2027

Interest

Rate Type	Adjustable Rate

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		$1,100,000 (+15.79%) Land $60,900 Building $1,039,100	$1,100,000 (+15.79%) Land $60,900 Building $1,039,100
2024	$19,000.00 (+19.88%)	$950,000 (+22.6%) Building $950,000	$950,000 (+22.6%) Building $950,000
2023		$774,900 (-2.22%) Land $60,900 Building $714,000	$774,900 (-2.22%) Land $60,900 Building $714,000
2022	$15,849.00	$792,500 Land $60,900 Building $731,600	$792,500 Land $60,900 Building $731,600

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	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	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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