415 E Simonton St, Elkhart, IN 46514 Property Records

Elkhart County property record for 415 E Simonton St, Elkhart, IN 46514

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,080 sqft · built 1898
Lot Size	0.121 acres (5,314 sqft)
Owner	Individual Name on Record
Last Sale	$159,900 (Mar 2025)
Tax Bill	$2,266 (2024)
Deeds & Mortgages	Mar 2025 Second Mortgage Mar 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-02-32-457-011.000-027`

Property Details

APN / Parcel Number

Primary APN	`20-02-32-457-011.000-027`
Alternative APN	`0232457011027`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,080 sqft Living Area
1st Floor Area	716 sqft
Upper Floors Area	364 sqft
Basement Area	604 sqft
Flooring	Subfloor

Exterior

Year Built	Built 1898
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	5,314 sqft (0.121 acres)
Lot Dimensions	82 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0232457011027
Old Parcel Number	0232457011027
Street Address	415 E SIMONTON ST
City	ELKHART
State	IN
Zip	46514-3219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	65X82 1/2FT SE SIMONTON 126FT E OF CASS SEC 32 .08
Legal Block	457
Jurisdiction	ELKHART IN
Township / Civil Division	OSOLO
Census Block Group	2
Census Block	2043
Census Tract	1601

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
Mailing Address	415 E SIMONTON ST, ELKHART, IN 46514-3219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage US BANK NA
Mar 12, 2025	Warranty Deed, Transfer · FHA Mortgage GENEVA FINANCIAL LLC
Sep 13, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2025 · Amount on Record
Deed Sale	Mar 12, 2025 · Amount on Record
Prior Sale	Sep 13, 2024 · Amount on Record
Deed Document Number	2025-03960
Record Updated	Jun 8, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	415 E SIMONTON ST, ELKHART, IN 46514-3219
Transaction Type	Mortgage
Record Updated	Nov 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003962
Date	Mar 12, 2025
Instrument	2025-03962

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Mar 12, 2025
Property Address	415 E SIMONTON ST, ELKHART, IN 46514-3219
Document Number	0000003960
Instrument Date	Feb 17, 2025
Instrument	2025-03960
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	FIDELITY NATL TITLE CO LLC

Transaction

Amount	Amount Recorded
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	415 E SIMONTON ST, ELKHART, IN 46514-3219

Mortgage

Document Number	0000003961
Date	Mar 12, 2025
Instrument	2025-03961

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2055

Mortgage

Document Number	0000003962
Date	Mar 12, 2025
Instrument	2025-03962

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Sep 13, 2024
Property Address	415 E SIMONTON ST, ELKHART, IN 46514-3219
Document Number	0000005117
Instrument Date	Aug 19, 2024
Instrument	2024-15117
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1607, ELKHART, IN 46515-1607
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Osolo Township
Municipality	Elkhart City
Unified School District	Elkhart Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$118,800 (+6.74%) Land $11,400 Building $107,400	$118,800 (+6.74%) Land $11,400 Building $107,400
2024	$2,266.00 (+21.96%)	$111,300 (+8.8%) Land $11,400 Building $99,900	$111,300 (+8.8%) Land $11,400 Building $99,900
2023		$102,300 (+11.56%) Land $11,400 Building $90,900	$102,300 (+11.56%) Land $11,400 Building $90,900
2022	$1,858.00	$91,700 Land $11,400 Building $80,300	$91,700 Land $11,400 Building $80,300

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	3 in force
Nearby Flood Claims	1 (1981)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1981 · rainfall accumulation

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	Not rated no burnable land within 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	ELKHART PUBLIC WORKS AND UTILITIES serves 46,455 people · EPA ID IN5220008
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 403 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Surf Internet.

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