46 Ems C19B Ln, Warsaw, IN 46582 Property Records

Kosciusko County property record for 46 Ems C19B Ln, Warsaw, IN 46582

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,856 sqft · built 1977
Lot Size	0.298 acres (12,960 sqft)
Owner	Company Name on Record
Last Sale	$317,500 (Jul 2020)
Tax Bill	$2,648 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`029-702001-87`

Property Details

APN / Parcel Number

Primary APN	`029-702001-87`
Alternative APNs	`43-07-35-100-038.000-016` `00000047659` `2970200187`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	1,856 sqft Living Area
1st Floor Area	1,856 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1985
Construction Type	Wood
Roof Material	Asphalt
Lot Area	12,960 sqft (0.298 acres)
Lot Dimensions	240 ft deep x 54 ft wide
Garage Type	Attached
Garage Area	990 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Shed Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	00000047659
Street Address	46 EMS C19B LN
City	WARSAW
State	IN
Zip	46582-9191
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESID
Legal Description	29-137-11 LOT 9 ARROWHEAD PARK ROSNAGLES 2ND ADD
Legal Range	6
Legal Township	33
Legal Section	35
Legal Subdivision	ARROWHEAD PARK
Legal Lot Number	9
Jurisdiction	KOSCIUSKO IN
Township / Civil Division	PLAIN
Census Block Group	1
Census Block	1004
Census Tract	961700

Owner

Source: Kosciusko County records, as of October 13, 2026

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

Owner of Record	Company Name on Record
Mailing Address	46 EMS C198 LN, WARSAW, IN 46582
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Jul 8, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jan 10, 2020	Deed of Trust, Mortgage · Line of Credit KEY BANK NA
Apr 15, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2020 · Amount on Record
Deed Sale	Jul 8, 2020 · Amount on Record
Deed Document Number	202070397
Prior Transfer Date	Apr 12, 2019
Prior Transfer Doc	2019040627
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Recording Date	May 22, 2026
Property Address	46 EMS C19B LN, WARSAW, IN 46582-9191
Document Number	0000050800
Instrument Date	Apr 13, 2026
Instrument	202650800
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165

Mortgage

Document Number	0000050800,
Date	May 22, 2026
Instrument	202650800

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	347 Months
Due	Apr 25, 2055

Interest

Rate	6.11%
Max Rate	-1%

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KOSCIUSKO IN
Recording Date	Jul 8, 2020
Property Address	46 EMS C19B LN, WARSAW, IN 46582-9191
Document Number	2020070397
Map Reference	MB 4 PG 89
Instrument Date	Jul 2, 2020
Instrument	2020070397
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	METROPOLITAN TITLE OF IN LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	46 EMS C198 LANE, WARSAW, IN 46582

Mortgage

Document Number	2020070398
Date	Jul 8, 2020
Instrument	2020070398

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	46 EMS C19B LN, WARSAW, IN 46582-9191
Transaction Type	Mortgage
Record Updated	Jan 24, 2020
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020010348
Date	Jan 10, 2020
Instrument	2020010348

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KOSCIUSKO IN
Recording Date	Apr 15, 2019
Property Address	46 EMS C19B LN, WARSAW, IN 46582-9191
Document Number	2019040627
Map Reference	MB 4 PG 89
Instrument Date	Apr 12, 2019
Instrument	2019040627
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	46 EMS C19B LN, WARSAW, IN 46582-9191

Tax Assessment & Valuation

Source: Kosciusko County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Kosciusko County
County Subdivision	Plain Township
Unified School District	Warsaw Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,648.00 (-4.51%) Homeowner's exemption	$479,300 (+12.04%) Land $179,700 Building $299,600	$479,300 (+12.04%) Land $179,700 Building $299,600
2024	$2,773.00 (+7.81%) Homeowner's exemption	$427,800 (+5.4%) Land $170,800 Building $257,000	$427,800 (+5.4%) Land $170,800 Building $257,000
2023	$2,572.00 (+13.5%)	$405,900 (+17.24%) Land $162,600 Building $243,300	$405,900 (+17.24%) Land $162,600 Building $243,300
2022	$2,266.00	$346,200 Land $139,000 Building $207,200	$346,200 Land $139,000 Building $207,200

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 September 29, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	11 (1981–2013)
Most Recent Claim	Aug 2013 · 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 96% of the US · lower than 73% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Kosciusko Connect, Xfinity.

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