430 Studebaker St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 430 Studebaker St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,699 sqft · built 1925
Lot Size	0.17 acres (7,424 sqft)
Owner	Individual Name on File
Last Sale	$194,500 (Nov 2021)
Tax Bill	$3,990 (2024)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-227-001.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-227-001.000-023`
Alternative APN	`01610411745`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,699 sqft Living Area
Gross Area	1,584 sqft
Attic	Attic
Attic Area	144 sqft
Basement Area	768 sqft
Game Room	Game Room

Exterior

Year Built	Built 1925
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	7,424 sqft (0.17 acres)
Lot Dimensions	116 ft deep x 64 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610411745
Street Address	430 STUDEBAKER ST
City	MISHAWAKA
State	IN
Zip	46544-2553
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 39 & 161/2 X 116 FT. N. & ADJ. WENGER REALTY CO. 1ST
Legal Subdivision	WENGER REALTY COS ADD 01
Legal Lot Number	39
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	5
Census Block	5030
Census Tract	10300

Owner

430 Studebaker St is owned by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	435 EDGEWATER DR, MISHAWAKA, IN 46545-6909
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
Nov 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage NOTRE DAME FCU
Nov 29, 2021	Warranty Deed, Transfer METROPLITAN TITLE, METROPOLITAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2021 · Amount on File
Deed Sale	Nov 29, 2021 · Amount on File
Deed Document Number	0002142249
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	430 STUDEBAKER ST, MISHAWAKA, IN 46544-2553
Transaction Type	Mortgage
Record Updated	Feb 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002035181
Date	Nov 10, 2020
Instrument	2035181

Lender

Name	NOTRE DAME FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	3.88%
Index	1-Year CMT

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Nov 29, 2021
Property Address	430 STUDEBAKER ST, MISHAWAKA, IN 46544-2553
Document Number	0002142249
Map Reference	PB 8 PG 182-183
Instrument Date	Nov 23, 2021
Instrument	2142249
Transaction Type	Transfer
Record Updated	Feb 14, 2023
Title Company	METROPLITAN TITLE, METROPOLITAN TITLE

Transaction

Amount	Amount 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	435 EDGEWATER DR, MISHAWAKA, IN 46545-6909

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		$146,600 Land $32,500 Building $114,100	$146,600 Land $32,500 Building $114,100
2024	$3,990.00 (+8.87%)
2023	$3,665.00 (-4.76%)	$155,400 (-4.84%) Land $32,500 Building $122,900	$155,400 (-4.84%) Land $32,500 Building $122,900
2022	$3,848.00 Homeowner's exemption	$163,300 Land $32,500 Building $130,800	$163,300 Land $32,500 Building $130,800

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

Flood

FEMA maps place 430 Studebaker St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1982.

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 Claims	4 (1982–2018)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Mar 2018 · 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

The area around 430 Studebaker 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 478 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Mercury Fiber, T-Mobile.

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