512 E Simonton St, Elkhart, IN 46514 Property Records

Elkhart County property record for 512 E Simonton St, Elkhart, IN 46514

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,192 sqft · built 1925
Lot Size	0.109 acres (4,748 sqft)
Owner	Individual Name on Record
Last Sale	$134,234 (Aug 2021)
Tax Bill	$1,549 (2024)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-02-32-476-010.000-027`

Property Details

APN / Parcel Number

Primary APN	`20-02-32-476-010.000-027`
Alternative APN	`0232476010027`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,192 sqft Living Area
Gross Area	3,846 sqft
1st Floor Area	1,192 sqft
Attic	Attic
Attic Area	1,179 sqft
Basement Area	1,179 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,748 sqft (0.109 acres)
Lot Dimensions	83 ft deep x 57 ft wide
Garage Type	Attached
Garage Area	296 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	63 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	512 E SIMONTON ST
City	ELKHART
State	IN
Zip	46514-3319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	JOHNSONS 2ND W1/2 LOT 63 & 64
Legal Subdivision	JOHNSONS 2ND
Legal Block	476
Legal Lot Number	63,64
Jurisdiction	ELKHART IN
Township / Civil Division	OSOLO
Census Block Group	2
Census Block	2037
Census Tract	1601

Owner

Source: Elkhart 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	Individual Name on Record
Mailing Address	512 E SIMONTON ST, ELKHART, IN 46514-3319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 9, 2023	Deed of Trust, Mortgage · Line of Credit LAKE CITY BANK
Aug 19, 2021	Warranty Deed, Transfer · Conventional Mortgage HALLMARK HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2021 · Amount on Record
Deed Sale	Aug 19, 2021 · Amount on Record
Deed Document Number	202122355
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Recording Date	Sep 28, 2026
Property Address	512 E SIMONTON ST, ELKHART, IN 46514-3319
Document Number	0000018287
Instrument Date	Sep 23, 2026
Instrument	202618287
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 E SIMONTON ST, ELKHART, IN 46514-3319

Mortgage

Document Number	0000018287,
Date	Sep 28, 2026
Instrument	202618287

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2046

Interest

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

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	512 E SIMONTON ST, ELKHART, IN 46514-3319
Transaction Type	Mortgage
Record Updated	Aug 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 E SIMONTON ST, ELKHART, IN 46514-3319

Mortgage

Document Number	0000003062
Date	Aug 9, 2023
Instrument	2023-13062

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46581

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Aug 19, 2021
Property Address	512 E SIMONTON ST, ELKHART, IN 46514-3319
Document Number	0000002355
Map Reference	MB 109 PG 555
Instrument Date	Aug 18, 2021
Instrument	2021-22355
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	MTC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 E SIMONTON ST, ELKHART, IN 46514-3319

Mortgage

Document Number	0000002356
Date	Aug 19, 2021
Instrument	2021-22356

Lender

Name	HALLMARK HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Osolo Township
Municipality	Elkhart City
Unified School District	Elkhart Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$164,900 (+8.49%) Land $10,200 Building $154,700	$164,900 (+8.49%) Land $10,200 Building $154,700
2024	$1,549.00 (+15.34%)	$152,000 (+6.89%) Land $10,200 Building $141,800	$152,000 (+6.89%) Land $10,200 Building $141,800
2023		$142,200 (+11.88%) Land $10,200 Building $132,000	$142,200 (+11.88%) Land $10,200 Building $132,000
2022	$1,343.00 Homeowner's exemption	$127,100 Land $10,200 Building $116,900	$127,100 Land $10,200 Building $116,900

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1981)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1981 · 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	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.

Drinking Water

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

Water System	ELKHART PUBLIC WORKS AND UTILITIES serves 46,455 people · EPA ID IN5220008
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	2 ppb (2023–2025) 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 403 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Surf Internet.

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