514 S Main St, Middlebury, IN 46540 Property Records

Elkhart County property record for 514 S Main St, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,053 sqft · built 1951
Lot Size	0.5 acres (21,780 sqft)
Owner	Company Name on File
Tax Bill	$3,989 (2024)
Deeds & Mortgages	Jan 2023 Sale & Line of Credit Mar 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`20-08-15-201-005.000-035`

Property Details

APN / Parcel Number

Primary APN	`20-08-15-201-005.000-035`
Alternative APN	`0815201005035`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,053 sqft Living Area
1st Floor Area	1,053 sqft
Basement Area	1,053 sqft
Game Room	Game Room
Flooring	Subfloor
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Basement
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	160 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0815201005035
Old Parcel Number	0815201005035
Street Address	514 S MAIN ST
City	MIDDLEBURY
State	IN
Zip	46540-9701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	97X225FT -695FT S OF NW COR NE SEC 15 .50A
Legal Block	201
Jurisdiction	ELKHART IN
Township / Civil Division	MIDDLEBURY
Census Block Group	2
Census Block	2009
Census Tract	801

Owner

514 S Main St is owned by a company that acquired it in March 2025.

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

Owner of Record	Company Name on File
Mailing Address	830 S MAIN ST STE B, B, MIDDLEBURY, IN 46540-7006
Owner Type	Company

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 11, 2023	Warranty Deed, Transfer · Line of Credit INTERRA CU
Mar 18, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2025
Deed Sale	Mar 6, 2025
Prior Sale	Jan 11, 2023 · Amount on File
Deed Document Number	2025-03658
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Jan 11, 2023
Property Address	514 S MAIN ST, MIDDLEBURY, IN 46540-9701
Document Number	0000000700
Instrument Date	Dec 29, 2022
Instrument	2023-00700
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount on Record
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
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 S MAIN ST, MIDDLEBURY, IN 46540-9701

Mortgage

Document Number	0000000701
Date	Jan 11, 2023
Instrument	2023-00701

Lender

Name	INTERRA CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Dec 29, 2037

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Mar 18, 2020
Property Address	514 S MAIN ST, MIDDLEBURY, IN 46540-9701
Document Number	0000005916
Instrument Date	Mar 17, 2020
Instrument	5916
Transaction Type	Transfer
Record Updated	Apr 19, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 S MAIN ST MIDDLEBURY IN 465409701, MIDDLEBURY, IN 46540-9701

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Middlebury Township
Municipality	Middlebury Town
Unified School District	Middlebury Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$176,400 (+10.6%) Land $52,500 Building $123,900	$176,400 (+10.6%) Land $52,500 Building $123,900
2024	$3,989.00	$159,500 (+13.2%) Land $52,500 Building $107,000	$159,500 (+13.2%) Land $52,500 Building $107,000
2023		$140,900 (-) Land $52,500 Building $88,400	$140,900 (-) Land $52,500 Building $88,400
2022	$3,703.00	$140,900 Land $52,500 Building $88,400	$140,900 Land $52,500 Building $88,400

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

Flood

FEMA maps place 514 S Main St in Zone X, an area of minimal flood risk.

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	1 in force

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

Wildfire risk around 514 S Main St is low, with 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 80% of the US · above 73% of Indiana
Wildfire Likelihood	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.

Drinking Water

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

Water System	MIDDLEBURY WATER DEPARTMENT serves 3,420 people · EPA ID IN5220014
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	1 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	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Mercury Fiber, New Paris Telephone Company.

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