509 Co Rd 104, Bristol, IN 46507 Property Records

Elkhart County property record for 509 Co Rd 104, Bristol, IN 46507

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,178 sqft · built 2020
Lot Size	4.55 acres (198,198 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,671 (2024)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-03-22-301-004.000-031`

Property Details

APN / Parcel Number

Primary APN	`20-03-22-301-004.000-031`
Alternative APN	`0322301004031`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,178 sqft Living Area
Basement Area	1,178 sqft

Exterior

Year Built	Built 2020
Construction Type	Wood
Roof Material	Asphalt
Lot Area	198,198 sqft (4.55 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0322301004031
Street Address	509 COUNTY ROAD 104
City	BRISTOL
State	IN
Zip	46507-1310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	E 900FT NW COR SW 1/4 EX .45A ROW SEC 22 4.55A
Jurisdiction	ELKHART IN
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2016
Census Tract	701

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	509 COUNTY ROAD 104, BRISTOL, IN 46507-1310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage INOVA FEDERAL CREDIT UNION
Aug 24, 2023	Deed of Trust, Mortgage · Line of Credit INOVA FCU
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage INOVA FCU
Mar 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage INOVA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2020
Deed Sale	Jan 27, 2020
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Recording Date	Jun 4, 2026
Property Address	509 COUNTY ROAD 104, BRISTOL, IN 46507-1310
Document Number	0000009759
Instrument Date	May 19, 2026
Instrument	20269759
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 COUNTY ROAD 104, BRISTOL, IN 46507-1310

Mortgage

Document Number	0000009759,
Date	Jun 4, 2026
Instrument	20269759

Lender

Name	INOVA FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	509 COUNTY ROAD 104, BRISTOL, IN 46507-1310
Transaction Type	Mortgage
Record Updated	Sep 6, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004050
Date	Aug 24, 2023
Instrument	2023-14050

Lender

Name	INOVA FCU
Type	Credit Union
Address	ELKHART, IN 46516

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 23, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	509 COUNTY ROAD 104, BRISTOL, IN 46507-1310
Transaction Type	Mortgage
Record Updated	Mar 7, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004899
Date	Feb 25, 2021
Instrument	2021-04899

Lender

Name	INOVA FCU
Type	Credit Union
Address	ELKHART, IN 46516

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Interest

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	509 COUNTY ROAD 104, BRISTOL, IN 46507-1310
Transaction Type	Mortgage
Record Updated	Apr 1, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006250
Date	Mar 23, 2022
Instrument	2022-06250

Lender

Name	INOVA FCU
Type	Credit Union
Address	ELKHART, IN 46516

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Washington Township
Municipality	Bristol Town
Unified School District	Elkhart Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$335,800 (+5.93%) Land $71,300 Building $264,500	$335,800 (+5.93%) Land $71,300 Building $264,500
2024	$3,671.00 (+12.37%)	$317,000 (+7.75%) Land $71,300 Building $245,700	$317,000 (+7.75%) Land $71,300 Building $245,700
2023		$294,200 (+10.81%) Land $71,300 Building $222,900	$294,200 (+10.81%) Land $71,300 Building $222,900
2022	$3,267.00 Homeowner's exemption	$265,500 Land $71,300 Building $194,200	$265,500 Land $71,300 Building $194,200

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 August 22, 2024 · 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
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	4 (2007–2019)
Most Recent Claim	Jan 2019 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Feb 2018 · 2 claims

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	None beyond ember reach

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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Surf Internet Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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