St. Joseph County property record for 4605 Ridgeway St, South Bend, IN 46619
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,068 sqft · built 1958 |
| Lot Size | 0.387 acres (16,864 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,525 (2024) |
| Deeds & Mortgages | Apr 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 71-08-09-101-028.000-026 |
| Primary APN | 71-08-09-101-028.000-026 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,068 sqft Living Area |
| Basement Area | 816 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1963 |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 16,864 sqft (0.387 acres) |
| Lot Dimensions | 148 ft deep x 114 ft wide |
| Terrain | Low |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Heating System | Central |
|---|---|
| Sewer | Connected |
| Account Number | 01841275009 |
|---|---|
| Street Address | 4605 RIDGEWAY ST |
| City | SOUTH BEND |
| State | IN |
| Zip | 46619-1718 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 509 GARDEN VILLAGE 3RD UNIT |
| Legal Subdivision | GARDEN VILLAGE 03 UN |
| Legal Lot Number | 509 |
| Jurisdiction | ST JOSEPH IN |
| Township / Civil Division | PORTAGE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 2500 |
4605 Ridgeway St is owned and occupied by an individual who acquired it in June 2015.
Source: St. Joseph County records, as of March 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4605 RIDGEWAY ST, SOUTH BEND, IN 46619-1718 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2015 |
| Deed Sale | Jun 10, 2015 |
| Deed Document Number | 1514174 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH IN |
| Property Address | 4605 RIDGEWAY ST, SOUTH BEND, IN 46619-1718 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0002407544 |
|---|---|
| Date | Apr 9, 2024 |
| Instrument | 2407544 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2054 |
Source: St. Joseph County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | St. Joseph County |
| County Subdivision | Portage Township |
| Municipality | South Bend City |
| Unified School District | South Bend Community School Corporation (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $116,900 Land $2,300 Building $114,600 | $116,900 Land $2,300 Building $114,600 | |
| 2024 | $1,525.00 (+164.76%) | ||
| 2023 | $576.00 (+146.15%) | $88,700 (+15.95%) Land $2,400 Building $86,300 | $88,700 (+15.95%) Land $2,400 Building $86,300 |
| 2022 | $234.00 | $76,500 Land $2,400 Building $74,100 | $76,500 Land $2,400 Building $74,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4605 Ridgeway St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 15, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 4605 Ridgeway 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SOUTH BEND WATER WORKS serves 115,000 people · EPA ID IN5271014 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | 5 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 384 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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