52080 Cloverleaf Dr E, South Bend, IN 46637 Property Records

St. Joseph County property record for 52080 Cloverleaf Dr E, South Bend, IN 46637

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 708 sqft · built 2022
Lot Size	0.367 acres (16,030 sqft)
Owner	Individual Name on File
Last Sale	$402,461 (Aug 2022)
Tax Bill	$4,684 (2024)
Deeds & Mortgages	Nov 2025 Line of Credit Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`71-04-19-226-110.000-003`

Property Details

APN / Parcel Number

Primary APN	`71-04-19-226-110.000-003`
Alternative APN	`0021015030539`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	708 sqft Living Area
Gross Area	1,468 sqft
Basement Area	1,468 sqft
Finished Basement	760 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	16,030 sqft (0.367 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0021015030539
Street Address	52080 CLOVERLEAF DR E
City	SOUTH BEND
State	IN
Zip	46637-6028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 CLOVERLEAF FARMS SEC 3 RP#11494 11-21-05
Legal Section	03
Legal Lot Number	2
Jurisdiction	ST JOSEPH IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2002
Census Tract	11308

Owner

52080 Cloverleaf Dr E is owned and occupied by an individual who bought it in August 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	52080 CLOVERLEAF DR E, SOUTH BEND, IN 46637-6028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Deed of Trust, Mortgage · Line of Credit LAKE CITY BANK
Feb 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK MIDDLEBURY
Aug 23, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HALLMARK HOME MORTGAGE LLC
Nov 24, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2022 · Amount on File
Deed Sale	Aug 23, 2022 · Amount on File
Prior Sale	Nov 24, 2021 · Amount on File
Deed Document Number	0002224715
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	52080 CLOVERLEAF DR E, SOUTH BEND, IN 46637-6028
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002529575
Date	Nov 19, 2025
Instrument	2529575

Lender

Name	LAKE CITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2055

Interest

Rate Type	Adjustable Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	52080 CLOVERLEAF DR E, SOUTH BEND, IN 46637-6028
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0002203818
Date	Feb 7, 2022
Instrument	2203818

Lender

Name	FIRST STATE BANK MIDDLEBURY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Feb 4, 2027

Interest

Rate Type	Adjustable Rate

August 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Aug 23, 2022
Property Address	52080 CLOVERLEAF DR E, SOUTH BEND, IN 46637-6028
Document Number	0002224715
Map Reference	IN 0553624
Instrument Date	Aug 19, 2022
Instrument	2224715
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 26, 2023

Transaction

Amount	Amount on Record
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	52080 CLOVERLEAF DR E, SOUTH BEND, IN 46637-6028

Mortgage

Document Number	0002224716
Date	Aug 23, 2022
Instrument	2224716

Lender

Name	HALLMARK HOME MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Nov 24, 2021
Property Address	52080 CLOVERLEAF DR E, SOUTH BEND, IN 46637-6028
Document Number	0002142079
Map Reference	IN 0553624
Instrument Date	Nov 22, 2021
Instrument	2142079
Transaction Type	Transfer
Record Updated	Dec 26, 2023

Transaction

Amount	Amount 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	54823 PIERRE TRAILS DR, OSCEOLA, IN 46561-8776
Investor	Possibly a Property Investor

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		$494,700 Land $56,300 Building $438,400	$494,700 Land $56,300 Building $438,400
2024	$4,684.00 (+18.19%)
2023	$3,963.00 (+451.18%)	$355,200 (+271.16%) Land $95,700 Building $259,500	$355,200 (+271.16%) Land $95,700 Building $259,500
2022	$719.00	$95,700 Land $95,700	$95,700 Land $95,700

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

Flood

FEMA maps place 52080 Cloverleaf Dr E in Zone X, an area of minimal flood risk.

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

Wildfire risk around 52080 Cloverleaf Dr E 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 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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