409 Shoemaker Dr, Middlebury, IN 46540 Property Records

Elkhart County property record for 409 Shoemaker Dr, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,186 sqft · built 1973
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on File
Last Sale	$102,000 (Feb 2009)
Tax Bill	$1,880 (2024)
Deeds & Mortgages	Mar 2026 Line of Credit Sep 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-08-10-351-005.000-035`

Property Details

APN / Parcel Number

Primary APN	`20-08-10-351-005.000-035`
Alternative APN	`0810351005035`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,186 sqft Living Area
Gross Area	2,978 sqft
1st Floor Area	1,186 sqft
Basement Area	1,186 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Attached
Garage Area	606 sqft
Parking Spaces	2 Parking Spaces
Porch	Stoop
Porch Area	12 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	409 SHOEMAKER DR
City	MIDDLEBURY
State	IN
Zip	46540-9563
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	145X125-175FT N SW COR SW1/4 SEC 10 .42A
Legal Block	351
Jurisdiction	ELKHART IN
Township / Civil Division	MIDDLEBURY
Census Block Group	3
Census Block	3002
Census Tract	804

Owner

409 Shoemaker Dr is owned and occupied by two individuals who bought it in February 2009.

Source: Elkhart County records, as of April 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	409 SHOEMAKER DR, MIDDLEBURY, IN 46540-9563
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Deed of Trust, Mortgage · Line of Credit INTERRA CU
Sep 30, 2021	Deed of Trust, Mortgage · Line of Credit LAKE CITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2009 · Amount on File
Deed Sale	Feb 11, 2009 · Amount on File
Deed Document Number	20092893
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	409 SHOEMAKER DR, MIDDLEBURY, IN 46540-9563
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004469
Date	Mar 17, 2026
Instrument	2026-04469

Lender

Name	INTERRA CU
Type	Credit Union
Address	GOSHEN, IN 46527

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 12, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	409 SHOEMAKER DR, MIDDLEBURY, IN 46540-9563
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 SHOEMAKER DR, MIDDLEBURY, IN 46540-9563

Mortgage

Document Number	0000006367
Date	Sep 30, 2021
Instrument	2021-26367

Lender

Name	LAKE CITY BANK
Type	Bank
Address	46548

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$198,600 (+5.58%) Land $18,300 Building $180,300	$198,600 (+5.58%) Land $18,300 Building $180,300
2024	$1,880.00	$188,100 (-2.89%) Land $18,300 Building $169,800	$188,100 (-2.89%) Land $18,300 Building $169,800
2023		$193,700 (+11.77%) Land $18,300 Building $175,400	$193,700 (+11.77%) Land $18,300 Building $175,400
2022	$1,733.00 Homeowner's exemption	$173,300 Land $18,300 Building $155,000	$173,300 Land $18,300 Building $155,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 409 Shoemaker Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 22, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 409 Shoemaker Dr is low, with 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 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 188 locations within half a mile, as of December 31, 2025

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

May also be available: Frontier, Mercury Fiber, New Paris Telephone Company.

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