5222 E Toto Rd, Knox, IN 46534 Property Records

Starke County property record for 5222 E Toto Rd, Knox, IN 46534

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,344 sqft · built 1999
Lot Size	3.41 acres (148,540 sqft)
Owner	2 Individual Names on Record
Last Sale	$288,000 (Aug 2022)
Tax Bill	$2,091 (2025)
Deeds & Mortgages	May 2019 Line of Credit Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`75-06-36-300-052.000-003`

Property Details

APN / Parcel Number

Primary APN	`75-06-36-300-052.000-003`
Alternative APN	`0040247900`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Finished Basement	1,288 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Wood
Roof Material	Asphalt
Lot Area	148,540 sqft (3.41 acres)
Garage Type	Attached
Garage Area	756 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Above-Ground Pool
Pool Area	530 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0040247900
Street Address	5222 E TOTO RD
City	KNOX
State	IN
Zip	46534-9275
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	KCPZ
Legal Description	FRIES SUB LOT 3. (3.41A.)
Legal Subdivision	FRIES SUBDIVISION
Legal Lot Number	3
Jurisdiction	STARKE IN
Township / Civil Division	CENTER
Census Block Group	2
Census Block	2053
Census Tract	953800

Owner

Source: Starke County records, as of June 25, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	5222 E TOTO RD, KNOX, IN 46534-9275
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2019	Deed of Trust, Mortgage · Line of Credit THE FIRST NATIONAL BANK OF MONTEREY
Aug 23, 2022	Warranty Deed, Transfer · Conventional Mortgage KEY BANK NA
Apr 24, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2022 · Amount on Record
Deed Sale	Aug 23, 2022 · Amount on Record
Prior Sale	Apr 24, 2020 · Amount on Record
Deed Document Number	20222915
Prior Transfer Date	Jul 6, 2005
Prior Transfer Doc	2005002880
Record Updated	Sep 20, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STARKE IN
Property Address	5222 E TOTO RD, KNOX, IN 46534-9275
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019001134
Date	May 6, 2019
Instrument	2019001134

Lender

Name	THE FIRST NATIONAL BANK OF MONTEREY
Type	Bank
Address	WINAMAC, IN 46996

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 6, 2034

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STARKE IN
Recording Date	Aug 23, 2022
Property Address	5222 E TOTO RD, KNOX, IN 46534-9275
Document Number	2022002915
Map Reference	MB 2 PG 301
Instrument Date	Aug 19, 2022
Instrument	2022002915
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
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	5222 E TOTO RD, KNOX, IN 46534-9275
Investor	Possibly a Property Investor

Mortgage

Document Number	2022002916
Date	Aug 23, 2022
Instrument	2022002916

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Sep 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.75%
Index	Other
Margin	3
Max Rate	9.75%

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STARKE IN
Recording Date	Apr 24, 2020
Property Address	5222 E TOTO RD, KNOX, IN 46534-9275
Document Number	2020001067
Map Reference	MB 2 PG 301
Instrument Date	Apr 14, 2020
Instrument	2020001067
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	5222 E TOTO RD, KNOX, IN 46534-9275

Mortgage

Document Number	2020001068
Date	Apr 24, 2020
Instrument	2020001068

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

Source: Starke County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Starke County
County Subdivision	Center Township
Unified School District	Knox Community School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,091.00 (-7.93%)	$328,600 (+17.86%) Land $37,500 Building $291,100	$328,600 (+17.86%) Land $37,500 Building $291,100
2024	$2,271.00 (+4.99%)
2023	$2,163.00 (+8.64%)	$278,800 (+21.75%) Land $30,800 Building $248,000	$278,800 (+21.75%) Land $30,800 Building $248,000
2022	$1,991.00	$229,000 Land $27,900 Building $201,100	$229,000 Land $27,900 Building $201,100

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 June 16, 2014 · 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	5 in force
Nearby Flood Claims	7 (1982–2018)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Feb 2018 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Feb 2018 · 5 claims

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 97% of the US · lower than 78% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	2,000 / 2,000
Mercury Fiber Fixed Wireless	150 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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