4509 Covington Rd, Fort Wayne, IN 46804 Property Records

Allen County property record for 4509 Covington Rd, Fort Wayne, IN 46804

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,038 sqft · built 1905
Lot Size	7,000 acres (304,920,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$343,700 (May 2024)
Tax Bill	$2,915 (2025)
Deeds & Mortgages	Mar 2026 Mortgage May 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-12-17-201-002.000-074`

Property Details

APN / Parcel Number

Primary APN	`02-12-17-201-002.000-074`
Alternative APN	`9401510005`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,038 sqft Living Area
Gross Area	3,325 sqft
1st Floor Area	864 sqft
Attic	Attic
Attic Area	1,109 sqft
Basement Area	1,024 sqft
Finished Basement	1,024 sqft
Game Room	Game Room

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1993
Construction Type	Frame
Roof Material	Asphalt
Lot Area	304,920,000 sqft
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	4509 COVINGTON RD
City	FORT WAYNE
State	IN
Zip	46804-5024
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NW .701A OF E 2.58A OF W 4.14A N OF RR SE 1/4 SEC 8 & NE 1/4 SEC 17
Jurisdiction	ALLEN IN
Township / Civil Division	WAYNE
Census Block Group	2
Census Block	2003
Census Tract	11502

Owner

Source: Allen County records, as of October 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4509 COVINGTON RD, FORT WAYNE, IN 46804-5024
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
May 2, 2024	Warranty Deed, Transfer · VA Mortgage NATIONS LENDING CORP
Oct 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
May 18, 2021	Warranty Deed, Transfer METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2024 · Amount on Record
Deed Sale	May 2, 2024 · Amount on Record
Prior Sale	May 18, 2021 · Amount on Record
Deed Document Number	202423996
Prior Transfer Date	Feb 10, 2014
Prior Transfer Doc	2014008834
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN IN
Property Address	4509 COVINGTON RD, FORT WAYNE, IN 46804-5024
Transaction Type	Mortgage
Record Updated	Mar 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4509 COVINGTON RD, FORT WAYNE, IN 46804-5024

Mortgage

Document Number	2026011152
Date	Mar 17, 2026
Instrument	2026011152

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN IN
Recording Date	May 2, 2024
Property Address	4509 COVINGTON RD, FORT WAYNE, IN 46804-5024
Document Number	2024023996
Instrument Date	Apr 29, 2024
Instrument	2024023996
Transaction Type	Transfer
Record Updated	May 17, 2024

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4509 COVINGTON RD, FORT WAYNE, IN 46804-5024

Mortgage

Document Number	2024023997
Date	May 2, 2024
Instrument	2024023997

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN IN
Property Address	4509 COVINGTON RD, FORT WAYNE, IN 46804-5024
Transaction Type	Mortgage
Record Updated	Feb 14, 2023
Title Company	MERIDIAN TITLE, MERIDIAN TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020061709
Date	Oct 8, 2020
Instrument	2020061709

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN IN
Recording Date	May 18, 2021
Property Address	4509 COVINGTON RD, FORT WAYNE, IN 46804-5024
Document Number	2021032896
Instrument Date	May 14, 2021
Instrument	2021032896
Transaction Type	Transfer
Record Updated	Feb 14, 2023
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4509 COVINGTON RD, FORT WAYNE, IN 46804-5024

Tax Assessment & Valuation

Source: Allen County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Allen County
County Subdivision	Wayne Township
Municipality	Fort Wayne City
Unified School District	Fort Wayne Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,915.00 (+101.31%) Homeowner's exemption	$296,600 (+60.24%) Land $36,500 Building $260,100	$296,600 (+60.24%) Land $36,500 Building $260,100
2024	$1,448.00 (-29.33%)
2023	$2,049.00 (-3.53%)	$185,100 (-2.53%) Land $36,500 Building $148,600	$185,100 (-2.53%) Land $36,500 Building $148,600
2022	$2,124.00	$189,900 Land $36,500 Building $153,400	$189,900 Land $36,500 Building $153,400

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 April 22, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	17 (1978–2016)
Claims Outside the SFHA	2 of 17
Most Recent Claim	May 2016 · 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	Low lower than 94% of the US · above 40% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	FORT WAYNE - 3 RIVERS FILTRATION PLANT serves 269,994 people · EPA ID IN5202020
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2022
Monitoring and Reporting	1 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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Lakeland Internet.

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