51965 Ray Dr, Granger, IN 46530 Property Records

St. Joseph County property record for 51965 Ray Dr, Granger, IN 46530

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,716 sqft · built 1976
Lot Size	0.789 acres (34,412 sqft)
Owner	Company Name on File
Tax Bill	$607 (2024)
Deeds & Mortgages	May 2023 Sale May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`71-05-18-379-001.000-011`

Property Details

APN / Parcel Number

Primary APN	`71-05-18-379-001.000-011`
Alternative APN	`00610460996`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,716 sqft Living Area
Basement Area	936 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1980
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	34,412 sqft (0.789 acres)
Lot Dimensions	234 ft deep x 147 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00610460996
Street Address	51965 RAY DR
City	GRANGER
State	IN
Zip	46530-9298
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 60 HINTONS BITTERSWEET SUB SIXTH SECTION SEC 18 38 4E
Legal Range	04E
Legal Township	38
Legal Section	18
Legal Subdivision	HINTONS BITTERSWEET SUB
Legal Lot Number	60
Jurisdiction	ST JOSEPH IN
Township / Civil Division	HARRIS
Census Block Group	1
Census Block	1012
Census Tract	11406

Owner

51965 Ray Dr is owned by a company that acquired it in May 2023 and is owner-occupied.

Source: St. Joseph County records, as of March 6, 2026

Owner of Record	Company Name on File
Mailing Address	51965 RAY DR, GRANGER, IN 46530-9298
Occupancy	Owner Occupied
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
May 9, 2023	Warranty Deed, Transfer
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2023
Deed Sale	May 9, 2023
Deed Document Number	0002309991
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	May 9, 2023
Property Address	51965 RAY DR, GRANGER, IN 46530-9298
Document Number	0002309991
Map Reference	PB 27 PG H
Instrument Date	May 2, 2023
Instrument	2309991
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	51965 RAY DR, GRANGER, IN 46530-9298

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51965 RAY DR, GRANGER, IN 46530-9298

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	51965 RAY DR, GRANGER, IN 46530-9298
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2011370
Date	May 4, 2020
Instrument	2011370

Lender

Name	JP MORGAN CHASE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 2, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	St. Joseph County
County Subdivision	Harris Township
Unified School District	Penn-Harris-Madison School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$341,200 Land $91,500 Building $249,700	$341,200 Land $91,500 Building $249,700
2024	$607.00 (+1.85%)
2023	$596.00 (-43.67%)	$164,000 (-10.43%) Land $58,700 Building $105,300	$164,000 (-10.43%) Land $58,700 Building $105,300
2022	$1,058.00	$183,100 Land $69,000 Building $114,100	$183,100 Land $69,000 Building $114,100

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

Flood

FEMA maps place 51965 Ray Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective December 15, 2015 · 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
Nearby Flood Claims	2 (2016–2018)
Most Recent Claim	Feb 2018 · Severe Storms And Flooding

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 51965 Ray Dr 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 98% of the US · lower than 85% 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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Mercury Fiber.

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