520 S Main St, Middlebury, IN 46540 Property Records

Elkhart County property record for 520 S Main St, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,042 sqft · built 1959
Lot Size	0.664 acres (28,924 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,792 (2024)
Deeds & Mortgages	Feb 2026 Line of Credit Nov 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-08-15-201-007.000-035`

Property Details

APN / Parcel Number

Primary APN	`20-08-15-201-007.000-035`
Alternative APN	`0815201007035`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	13 Rooms
Stories	1 Story
Building Area	3,042 sqft Living Area
Gross Area	4,854 sqft
1st Floor Area	1,950 sqft
Attic	Attic
Attic Area	2,888 sqft
Basement Area	1,092 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,924 sqft (0.664 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	120 sqft
Patio Area	416 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	520 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	225X130X225X127FT -845FT S NW COR NE1/4 SEC 15 .664A
Legal Block	201
Jurisdiction	ELKHART IN
Township / Civil Division	MIDDLEBURY
Census Block Group	2
Census Block	2009
Census Tract	801

Owner

520 S Main St is owned and occupied by two individuals who acquired it in July 2022.

Source: Elkhart County records, as of March 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	58130 CRYSTAL SPRINGS DR, GOSHEN, IN 46528-9126
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

Date	Document
Feb 23, 2026	Deed of Trust, Mortgage · Line of Credit INTERRA CU
Nov 4, 2022	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK OF MIDDLEBURY
Jul 8, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2022
Deed Sale	Jan 28, 2022
Prior Sale	Dec 17, 2012 · Amount on File
Deed Document Number	20222087
Last Transfer Date	Jul 5, 2022
Transfer Doc	0000004596
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	520 S MAIN ST, MIDDLEBURY, IN 46540-9701
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003039
Date	Feb 23, 2026
Instrument	2026-03039

Lender

Name	INTERRA CU
Type	Credit Union
Address	GOSHEN, IN 46526

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 20, 2046

Interest

Rate Type	Adjustable Rate

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	520 S MAIN ST, MIDDLEBURY, IN 46540-9701
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003554
Date	Nov 4, 2022
Instrument	2022-23554

Lender

Name	FIRST STATE BANK OF MIDDLEBURY
Type	Bank
Address	MIDDLEBURY, IN 46540

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 10, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ELKHART IN
Recording Date	Jul 8, 2022
Property Address	520 S MAIN ST, MIDDLEBURY, IN 46540-9701
Document Number	0000004596
Instrument Date	Jul 5, 2022
Instrument	2022-14596
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 S MAIN ST, MIDDLEBURY, IN 46540-9701

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of December 29, 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		$330,800 (+5.32%) Land $21,200 Building $309,600	$330,800 (+5.32%) Land $21,200 Building $309,600
2024	$6,792.00	$314,100 (+4.46%) Land $21,200 Building $292,900	$314,100 (+4.46%) Land $21,200 Building $292,900
2023		$300,700 (+53.03%) Land $21,200 Building $279,500	$300,700 (+53.03%) Land $21,200 Building $279,500
2022	$3,077.00 Homeowner's exemption	$196,500 Land $18,900 Building $177,600	$196,500 Land $18,900 Building $177,600

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

Flood

FEMA maps place 520 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 520 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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