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

St. Joseph County property record for 430 E 4th St, Mishawaka, IN 46544

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 1,974 sqft · built 1870
Lot Size	0.193 acres (8,448 sqft)
Owner	Individual Name on File
Tax Bill	$1,762 (2024)
Deeds & Mortgages	Apr 2006 Mortgage Apr 2011 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-155-020.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-155-020.000-023`
Alternative APN	`01610251006`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	1,974 sqft Living Area
Basement Area	792 sqft

Exterior

Year Built	Built 1870
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
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610251006
Street Address	430 E 4TH ST
City	MISHAWAKA
State	IN
Zip	46544-2291
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LOT 70 & E. 1/2 VAC. ALLEY BARBEES SUB E.&ADJ.
Legal Subdivision	BARBEES SUB
Legal Lot Number	70
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	1
Census Block	1033
Census Tract	10202

Owner

430 E 4th St, a duplex, is owned and occupied by an individual who acquired it in June 1997.

Source: St. Joseph County records, as of March 6, 2026

Owner of Record	Individual Name on File
Mailing Address	430 E 4TH ST, MISHAWAKA, IN 46544-2291
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
Apr 25, 2006	Deed of Trust, Mortgage · Commercial Mortgage HORIZON BANK NA
Apr 27, 2011	Deed of Trust, Mortgage · VA Mortgage MORTGAGE INVESTORS CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 1997
Deed Sale	Jun 6, 1997
Record Updated	Sep 20, 2026

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	430 E 4TH ST, MISHAWAKA, IN 46544-2291
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000615436
Date	Apr 25, 2006
Instrument	0615436

Lender

Name	HORIZON BANK NA
Type	Bank
Address	SOUTH BEND, IN 46601

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	121 Months
Due	May 1, 2016

April 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	430 E 4TH ST, MISHAWAKA, IN 46544-2291
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	NATIONAL TITLE NE, NATIONAL TITLE NETWORK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001111236
Date	Apr 27, 2011
Instrument	1111236

Lender

Name	MORTGAGE INVESTORS CORP
Type	Mortgage Company
Address	SAINT PETERSBURG, FL 33707

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	3%
Type Change Date	Jul 1, 2014
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4%
Index	1-Year T-Bill
Margin	2
Max Rate	8%

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		$137,800 Land $34,100 Building $103,700	$137,800 Land $34,100 Building $103,700
2024	$1,762.00 (+12.02%)
2023	$1,573.00 (+1.03%)	$136,900 (-) Land $34,000 Building $102,900	$136,900 (-) Land $34,000 Building $102,900
2022	$1,557.00 Homeowner's exemption	$136,900 Land $34,000 Building $102,900	$136,900 Land $34,000 Building $102,900

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

Flood

FEMA maps place 430 E 4th St in Zone X, an area of minimal flood risk.

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

The area around 430 E 4th St has no burnable land within ember reach, so its wildfire risk is not rated.

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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