52068 Cloverleaf Dr E, South Bend, IN 46637 Property Records

St. Joseph County property record for 52068 Cloverleaf Dr E, South Bend, IN 46637

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,653 sqft · built 2024
Lot Size	0.389 acres (16,945 sqft)
Owner	Individual Name on Record
Last Sale	$175,560 (Jan 2025)
Tax Bill	$5,444 (2025)
Deeds & Mortgages	May 2026 Mortgage Jan 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`71-04-19-226-109.000-003`

Property Details

APN / Parcel Number

Primary APN	`71-04-19-226-109.000-003`
Alternative APN	`0021015030538`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,653 sqft Living Area
Gross Area	2,924 sqft
Basement Area	1,653 sqft
Finished Basement	866 sqft
Unfinished Basement	787 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Construction Type	Frame
Lot Area	16,945 sqft (0.389 acres)
Garage Type	Attached
Garage Area	970 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	52068 CLOVERLEAF DR E
City	SOUTH BEND
State	IN
Zip	46637-6028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 CLOVERLEAF FARMS SEC 3 RP#11494 11-21-05
Legal Range	05
Legal Township	21
Legal Section	11
Legal Subdivision	CLOVERLEAF FARMS
Legal Lot Number	1
Jurisdiction	ST JOSEPH IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2002
Census Tract	11308

Owner

Source: St. Joseph County records, as of June 8, 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	52068 CLOVERLEAF DR E, SOUTH BEND, IN 46637-6028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage NOTRE DAME FEDERAL CREDIT UNION
Jan 2, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 16, 2024	Warranty Deed, Construction Loan · Construction Mortgage GOLDWATER BANK NA
Apr 16, 2024	Warranty Deed, Construction Loan · Construction Mortgage GOLDWATER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2025 · Amount on Record
Deed Sale	Jan 2, 2025 · Amount on Record
Prior Sale	Apr 16, 2024 · Amount on Record
Deed Document Number	202535
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Recording Date	May 20, 2026
Property Address	52068 CLOVERLEAF DR E, SOUTH BEND, IN 46637-6028
Document Number	0000012503
Instrument Date	May 4, 2026
Instrument	202612503
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52068 CLOVERLEAF DR E, SOUTH BEND, IN 46637-6028

Mortgage

Document Number	0000012503,
Date	May 20, 2026
Instrument	202612503

Lender

Name	NOTRE DAME FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

January 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH IN
Recording Date	Jan 2, 2025
Property Address	52068 CLOVERLEAF DR E, SOUTH BEND, IN 46637-6028
Document Number	0002500035
Map Reference	IN 0553624
Instrument Date	Dec 23, 2024
Instrument	2500035
Transaction Type	Transfer
Record Updated	Mar 9, 2026
Title Company	MTC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52068 CLOVERLEAF DR E, SOUTH BEND, IN 46637-6028

Mortgage

Document Number	0002500036
Date	Jan 2, 2025
Instrument	2500036

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

April 2024: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Apr 16, 2024
Property Address	52068 CLOVERLEAF DR E, SOUTH BEND, IN 46637-6028
Document Number	0002408122
Map Reference	IN 0553624
Instrument Date	Apr 12, 2024
Instrument	2408122
Transaction Type	Construction Loan
Record Updated	May 16, 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
Relationship	Joint Tenants with Right of Survivorship
Address	52059 FURROW DR, SOUTH BEND, IN 46637-4373

Mortgage

Document Number	0002408123
Date	Apr 16, 2024
Instrument	2408123

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	May 1, 2025

April 2024: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Apr 16, 2024
Property Address	52068 CLOVERLEAF DR E, SOUTH BEND, IN 46637-6028
Document Number	0002408122
Map Reference	IN 0553624
Instrument Date	Apr 12, 2024
Instrument	2408122
Transaction Type	Construction Loan
Record Updated	Mar 9, 2026
Title Company	MTC

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants with Right of Survivorship
Address	52059 FURROW DR, SOUTH BEND, IN 46637-4373

Mortgage

Document Number	0002408123
Date	Apr 16, 2024
Instrument	2408123

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	May 1, 2025

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of March 11, 2026

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	$5,444.00 (+544,3%)	$509,900 (+509,8%) Land $89,700 Building $420,200	$509,900 (+509,8%) Land $89,700 Building $420,200
2024	$1.00 (-5%)
2023	$2.00	$100 (-) Land $100	$100 (-) Land $100
2022	$2.00	$100 Land $100	$100 Land $100

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	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.

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