490 E 200 N, Warsaw, IN 46582 Property Records

Kosciusko County property record for 490 E 200 N, Warsaw, IN 46582

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 1966
Lot Size	0.76 acres (33,106 sqft)
Owner	Individual Name on File
Tax Bill	$2,559 (2024)
Deeds & Mortgages	Jan 2020 Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028-702023-90`

Property Details

APN / Parcel Number

Primary APN	`028-702023-90`
Alternative APNs	`43-07-33-300-375.000-017` `00046498819` `2870202390`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
Basement Area	1,288 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1998
Construction Type	Wood
Roof Material	Other
Lot Area	33,106 sqft (0.76 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Above-Ground Pool
Pool Area	314 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00046498819
Street Address	490 E 200 N
City	WARSAW
State	IN
Zip	46582-7856
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	28-131-3 PT E 1/2 SE SE SW 33-33-6 0.76A PER CALC
Legal Range	06
Legal Township	33
Legal Section	33
Jurisdiction	KOSCIUSKO IN
Township / Civil Division	PLAIN
Census Block Group	4
Census Block	4035
Census Tract	961700

Owner

490 E 200 N is owned and occupied by an individual who acquired it in February 2018.

Source: Kosciusko County records, as of March 5, 2026

Owner of Record	Individual Name on File
Mailing Address	490 E 200 N, WARSAW, IN 46582-7856
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
Jan 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Feb 23, 2018	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2018
Deed Sale	Feb 23, 2018
Deed Document Number	2018020714
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	490 E 200 N, WARSAW, IN 46582-7856
Transaction Type	Mortgage
Record Updated	Mar 7, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020010393
Date	Jan 10, 2020
Instrument	2020010393

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	Feb 23, 2018
Property Address	490 E 200 N, WARSAW, IN 46582-7856
Document Number	2018020714
Instrument Date	Feb 20, 2018
Instrument	2018020714
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 E 200 N, WARSAW, IN 46582-7856

Mortgage

Document Number	2018020716
Date	Feb 23, 2018
Instrument	2018020716

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

Source: Kosciusko County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$277,100 (+13.1%) Land $28,300 Building $248,800	$277,100 (+13.1%) Land $28,300 Building $248,800
2024	$2,559.00 (-6.47%) Homeowner's exemption	$245,000 (+4.84%) Land $20,700 Building $224,300	$245,000 (+4.84%) Land $20,700 Building $224,300
2023	$2,736.00 (+11.13%)	$233,700 (+11.07%) Land $20,700 Building $213,000	$233,700 (+11.07%) Land $20,700 Building $213,000
2022	$2,462.00	$210,400 Land $20,700 Building $189,700	$210,400 Land $20,700 Building $189,700

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

Flood

FEMA maps place 490 E 200 N in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 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.

Wildfire

Wildfire risk around 490 E 200 N is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 68% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	INDIANA AMERICAN WATER - WARSAW private · serves 13,835 people · EPA ID IN5243030
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	2 ppb (2022–2024) 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Kosciusko Connect Fiber	1,000 / 1,000

May also be available: Mercury Fiber, Xfinity.

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