51601 E County Line Rd, Middlebury, IN 46540 Property Records

Elkhart County property record for 51601 E County Line Rd, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,992 sqft · built 1998
Lot Size	12.5 acres (545,371 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,440 (2024)
Deeds & Mortgages	Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-04-13-426-039.000-032`

Property Details

APN / Parcel Number

Primary APN	`20-04-13-426-039.000-032`
Alternative APN	`0413426039032`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,992 sqft Living Area
1st Floor Area	1,992 sqft
Basement Area	1,992 sqft
Flooring	Subfloor

Exterior

Year Built	Built 1998
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Asphalt
Lot Area	545,371 sqft (12.5 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	156 sqft
Patio Area	674 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0413426039032
Old Parcel Number	0413426039032
Street Address	51601 E COUNTY LINE RD
City	MIDDLEBURY
State	IN
Zip	46540-9627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	PT E1/2 SE1/4 SEC 13 12.52A
Legal Block	426
Jurisdiction	ELKHART IN
Township / Civil Division	YORK
Census Block Group	1
Census Block	1004
Census Tract	801

Owner

51601 E County Line Rd is owned and occupied by two individuals who acquired it in July 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	51601 E COUNTY LINE RD, MIDDLEBURY, IN 46540-9627
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2011
Deed Sale	Jul 20, 2011
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Recording Date	Jun 26, 2026
Property Address	51601 E COUNTY LINE RD, MIDDLEBURY, IN 46540-9627
Document Number	0000011401
Instrument Date	Jun 22, 2026
Instrument	202611401
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51601 E COUNTY LINE RD, MIDDLEBURY, IN 46540-9627

Mortgage

Document Number	0000011401,
Date	Jun 26, 2026
Instrument	202611401

Lender

Name	CHIPHONE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.51%
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$425,300 (+15.01%) Land $48,700 Building $376,600	$425,300 (+15.01%) Land $48,700 Building $376,600
2024	$3,440.00	$369,800 (+5.54%) Land $49,200 Building $320,600	$369,800 (+5.54%) Land $49,200 Building $320,600
2023		$350,400 (+9.71%) Land $48,000 Building $302,400	$350,400 (+9.71%) Land $48,000 Building $302,400
2022	$3,160.00	$319,400 Land $46,700 Building $272,700	$319,400 Land $46,700 Building $272,700

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

Flood

FEMA maps place 51601 E County Line Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1993.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	4 (1993–2018)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Feb 2018 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Feb 2018 · 3 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

Wildfire risk around 51601 E County Line Rd 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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20