521 E 3rd St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 521 E 3rd St, Mishawaka, IN 46544

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,810 sqft · built 1900
Lot Size	0.206 acres (8,976 sqft)
Owner	Company Name on Record
Last Sale	$527,400 (Feb 2022)
Tax Bill	$3,555 (2025)
Deeds & Mortgages	Mar 2018 Mortgage Feb 2008 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-156-005.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-156-005.000-023`
Alternative APN	`01610251022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,810 sqft Living Area
Gross Area	2,778 sqft
1st Floor Area	2,778 sqft
Basement Area	968 sqft
Family Room	Family Room

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	8,976 sqft (0.206 acres)
Lot Dimensions	132 ft deep x 68 ft wide
Garage Type	Detached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	521 E 3RD ST
City	MISHAWAKA
State	IN
Zip	46544-2242
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	3 FT E SIDE LOT 51 & ALL OF LOT 52 BARBEES SUB
Legal Subdivision	BARBEES SUB
Legal Lot Number	51,52
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	1
Census Block	1030
Census Tract	10202

Owner

Source: St. Joseph County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	609 RIVERSIDE DR, SOUTH BEND, IN 46601-1047
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK
Feb 7, 2008	Deed of Trust, Mortgage · Line of Credit NATIONAL CITY BANK
Feb 9, 2022	Warranty Deed, Transfer · Commercial Mortgage LIMA ONE CAPITAL LLC
Jul 12, 2019	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Jul 23, 2019	Limited Warranty Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2022 · Amount on Record
Deed Sale	Feb 9, 2022 · Amount on Record
Prior Sale	Jul 23, 2019
Deed Document Number	20224126
Record Updated	Sep 20, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	521 E 3RD ST, MISHAWAKA, IN 46544-2242
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001806801
Date	Mar 26, 2018
Instrument	1806801

Lender

Name	PNC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Mar 6, 2058

Interest

Rate Type	Fixed Rate

February 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	521 E 3RD ST, MISHAWAKA, IN 46544-2242
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000803982
Date	Feb 7, 2008
Instrument	0803982

Lender

Name	NATIONAL CITY BANK
Type	Bank
Address	MISHAWAKA, IN 46544

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Feb 9, 2022
Property Address	521 E 3RD ST, MISHAWAKA, IN 46544-2242
Document Number	0002204126
Map Reference	PB 1 PG 16
Instrument Date	Jan 28, 2022
Instrument	2204126
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	METROPLITAN TITLE, METROPOLITAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2901 HORNE CT, SOUTH BEND, IN 46615-1829
Investor	Possibly a Property Investor

Mortgage

Document Number	0002204127
Date	Feb 9, 2022
Instrument	2204127

Lender

Name	LIMA ONE CAPITAL LLC
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jul 12, 2019
Property Address	521 E 3RD ST, MISHAWAKA, IN 46544-2242
Document Number	0001916419
Instrument Date	Jun 14, 2019
Instrument	1916419
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14183 NORTHAMPTON CT, GRANGER, IN 46530-4977

July 2019: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jul 23, 2019
Property Address	521 E 3RD ST, MISHAWAKA, IN 46544-2242
Document Number	0001917551
Instrument Date	Jun 14, 2019
Instrument	1917551
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 E 3RD ST, MISHAWAKA, IN 46544-2242

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	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	$3,555.00 (+6.63%)	$153,900 (+16.33%) Land $36,200 Building $117,700	$153,900 (+16.33%) Land $36,200 Building $117,700
2024	$3,334.00 (+7.38%)
2023	$3,105.00 (+0.06%)	$132,300 (-) Land $36,200 Building $96,100	$132,300 (-) Land $36,200 Building $96,100
2022	$3,103.00	$132,300 Land $36,200 Building $96,100	$132,300 Land $36,200 Building $96,100

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	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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