52045 Cloverleaf Dr E, South Bend, IN 46637 Property Records

St. Joseph County property record for 52045 Cloverleaf Dr E, South Bend, IN 46637

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,536 sqft · built 2004
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Tax Bill	$2,790 (2024)
Deeds & Mortgages	Dec 2023 Transfer Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`71-04-19-226-098.000-003`

Property Details

APN / Parcel Number

Primary APN	`71-04-19-226-098.000-003`
Alternative APN	`0021015030536`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,536 sqft Living Area
Basement Area	1,536 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	153 ft deep x 93 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0021015030536
Street Address	52045 CLOVERLEAF DR E
City	SOUTH BEND
State	IN
Zip	46637-6030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 46 CLOVERLEAF FARMS SEC 1
Legal Subdivision	CLOVERLEAF FARMS
Legal Lot Number	46
Jurisdiction	ST JOSEPH IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2006
Census Tract	11308

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	52045 CLOVERLEAF DR E, SOUTH BEND, IN 46637-6030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2023	Transfer on Death Deed, Transfer
Apr 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage OLD NATIONAL BANK
Mar 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage OLD NATIONAL BANK
May 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage OLD NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2004
Deed Sale	May 13, 2004
Record Updated	Jun 8, 2026

December 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Dec 29, 2023
Property Address	52045 CLOVERLEAF DR E, SOUTH BEND, IN 46637-6030
Document Number	0002330470
Map Reference	IN 9901167
Instrument Date	Dec 21, 2023
Instrument	2330470
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	52045 CLOVERLEAF DR E, SOUTH BEND, IN 46637-6030

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	52045 CLOVERLEAF DR E, SOUTH BEND, IN 46637-6030
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002211300
Date	Apr 19, 2022
Instrument	2211300

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2052

Interest

Rate Type	Adjustable Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	52045 CLOVERLEAF DR E, SOUTH BEND, IN 46637-6030
Transaction Type	Mortgage
Record Updated	Apr 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002209398
Date	Mar 29, 2022
Instrument	2209398

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2037

Interest

Rate Type	Fixed Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	52045 CLOVERLEAF DR E, SOUTH BEND, IN 46637-6030
Transaction Type	Mortgage
Record Updated	May 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1810157
Date	May 1, 2018
Instrument	1810157

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2033

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	Clay Township
Unified School District	South Bend Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$347,200 (+38.99%) Land $74,500 Building $272,700	$347,200 (+38.99%) Land $74,500 Building $272,700
2024	$2,790.00 (+6.57%)
2023	$2,618.00 (-8.75%)	$249,800 (-0.75%) Land $93,400 Building $156,400	$249,800 (-0.75%) Land $93,400 Building $156,400
2022	$2,869.00	$251,700 Land $93,400 Building $158,300	$251,700 Land $93,400 Building $158,300

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

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% 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.

Drinking Water

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

Water System	SOUTH BEND WATER WORKS serves 115,000 people · EPA ID IN5271014
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 461 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

Nearby Properties on Cloverleaf Dr E

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures