418 E 4th St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 418 E 4th St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,423 sqft · built 1894
Lot Size	0.193 acres (8,448 sqft)
Owner	Individual Name on Record
Last Sale	$81,000 (Oct 2009)
Tax Bill	$1,777 (2024)
Deeds & Mortgages	Nov 2015 Mortgage Oct 2009 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-155-018.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-155-018.000-023`
Alternative APN	`01610251001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,423 sqft Living Area
Gross Area	1,991 sqft
Attic	Attic
Attic Area	918 sqft
Basement Area	1,288 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1894
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	8,448 sqft (0.193 acres)
Lot Dimensions	132 ft deep x 64 ft wide
Garage Type	Attached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610251001
Street Address	418 E 4TH ST
City	MISHAWAKA
State	IN
Zip	46544-2235
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 72 BARBEES SUB
Legal Subdivision	BARBEES SUB
Legal Lot Number	72
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	1
Census Block	1033
Census Tract	10202

Owner

Source: St. Joseph County records, as of March 6, 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	418 E 4TH ST, MISHAWAKA, IN 46544-2235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2015	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE CO INC
Oct 21, 2009	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2009 · Amount on Record
Deed Sale	Oct 21, 2009 · Amount on Record
Deed Document Number	0000935009
Record Updated	Sep 20, 2026

November 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	418 E 4TH ST, MISHAWAKA, IN 46544-2235
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001530305
Date	Nov 12, 2015
Instrument	1530305

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2045

Interest

Rate Type	Fixed Rate

October 2009: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Oct 21, 2009
Property Address	418 E 4TH ST, MISHAWAKA, IN 46544-2235
Document Number	0000935009
Instrument Date	Oct 16, 2009
Instrument	0935009
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	LAWYERS TITLE

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	418 E 4TH ST, MISHAWAKA, IN 46544-2235

Mortgage

Document Number	0000935010
Date	Oct 21, 2009
Instrument	0935010

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2039

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	St. Joseph County
County Subdivision	Penn Township
Municipality	Mishawaka City
Unified School District	Mishawaka School City (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$132,000 (-4.9%) Land $34,100 Building $97,900	$132,000 (-4.9%) Land $34,100 Building $97,900
2024	$1,777.00 (+12.68%)
2023	$1,577.00 (-0.69%)	$138,800 (-) Land $34,000 Building $104,800	$138,800 (-) Land $34,000 Building $104,800
2022	$1,588.00 Homeowner's exemption	$138,800 Land $34,000 Building $104,800	$138,800 Land $34,000 Building $104,800

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 December 15, 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
Nearby Flood Policies	7 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	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	MISHAWAKA UTILITIES serves 49,675 people · EPA ID IN5271009
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	7 ppb (2024–2026) 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 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Mercury Fiber, Verizon.

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