520 E 4th St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 520 E 4th St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,197 sqft · built 1927
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$172,200 (Mar 2024)
Tax Bill	$680 (2024)
Deeds & Mortgages	Apr 2010 Line of Credit Mar 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-156-012.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-156-012.000-023`
Alternative APN	`01610251020`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,197 sqft Living Area
Basement Area	1,106 sqft
Game Room	Game Room

Exterior

Year Built	Built 1927
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	132 ft deep x 33 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610251020
Street Address	520 E 4TH ST
City	MISHAWAKA
State	IN
Zip	46544-2233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 FT E SIDE LOT 66 & W 1/2 LOT 65 BARBEES SUB
Legal Subdivision	BARBEES SUB
Legal Lot Number	66,65
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	1
Census Block	1034
Census Tract	10202

Owner

Source: St. Joseph County records, as of March 6, 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	520 E 4TH ST, MISHAWAKA, IN 46544-2233
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2010	Deed of Trust, Mortgage · Line of Credit TEACHERS CU
Mar 27, 2024	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC
Mar 27, 2024	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC
Mar 10, 2020	Intrafamily Transfer, Transfer NEAR NORTH TITLE
Mar 10, 2020	Warranty Deed, Transfer · FHA Mortgage HALLMARK HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2024 · Amount on Record
Deed Sale	Mar 27, 2024 · Amount on Record
Prior Sale	Mar 10, 2020
Deed Document Number	0002406484
Record Updated	Sep 20, 2026

April 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	520 E 4TH ST, MISHAWAKA, IN 46544-2233
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE IN LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001008356
Date	Apr 1, 2010
Instrument	1008356

Lender

Name	TEACHERS CU
Type	Credit Union
Address	SOUTH BEND, IN 46624

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Mar 27, 2024
Property Address	520 E 4TH ST, MISHAWAKA, IN 46544-2233
Document Number	0002406484
Instrument Date	Mar 22, 2024
Instrument	2406484
Transaction Type	Transfer
Record Updated	Apr 17, 2024
Title Company	MTC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 E 4TH ST, MISHAWAKA, IN 46544-2233

Mortgage

Document Number	0002406485
Date	Mar 27, 2024
Instrument	2406485

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Mar 27, 2024
Property Address	520 E 4TH ST, MISHAWAKA, IN 46544-2233
Document Number	0002406484
Instrument Date	Mar 22, 2024
Instrument	2406484
Transaction Type	Transfer
Record Updated	Jun 23, 2026
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
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 E 4TH ST, MISHAWAKA, IN 46544-2233

Mortgage

Document Number	0002406485
Date	Mar 27, 2024
Instrument	2406485

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH IN
Recording Date	Mar 10, 2020
Property Address	520 E 4TH ST, MISHAWAKA, IN 46544-2233
Document Number	0002006673
Instrument Date	Feb 14, 2020
Instrument	2006673
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	NEAR NORTH TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 VISTA ISLES DR, PALM DESERT, CA 92211

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Mar 10, 2020
Property Address	520 E 4TH ST, MISHAWAKA, IN 46544-2233
Document Number	0002006674
Instrument Date	Feb 4, 2020
Instrument	2006674
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	NEAR NORTH TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 E 4TH ST, MISHAWAKA, IN 46544-2233

Mortgage

Document Number	0002006675
Date	Mar 10, 2020
Instrument	2006675

Lender

Name	HALLMARK HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 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	Penn Township
Municipality	Mishawaka City
Unified School District	Mishawaka School City (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$70,600 (-1.94%) Land $17,600 Building $53,000	$70,600 (-1.94%) Land $17,600 Building $53,000
2024	$680.00 (+8.8%)
2023	$625.00 (-55%)	$72,000 (-40.84%) Land $17,500 Building $54,500	$72,000 (-40.84%) Land $17,500 Building $54,500
2022	$1,389.00 Homeowner's exemption	$121,700 Land $17,500 Building $104,200	$121,700 Land $17,500 Building $104,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	7 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

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	MISHAWAKA UTILITIES serves 49,675 people · EPA ID IN5271009
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	7 ppb (2024–2026) 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 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Mercury Fiber, Verizon.

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