523 Wayne St, Middlebury, IN 46540 Property Records

Elkhart County property record for 523 Wayne St, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,912 sqft · built 1941
Lot Size	4.21 acres (183,823 sqft)
Owner	Individual Name on Record
Tax Bill	$3,215 (2024)
Deeds & Mortgages	Jun 2022 Line of Credit Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-08-15-103-006.000-035`

Property Details

APN / Parcel Number

Primary APN	`20-08-15-103-006.000-035`
Alternative APN	`0815103006035`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,912 sqft Living Area
1st Floor Area	1,016 sqft
Upper Floors Area	896 sqft
Basement Area	896 sqft
Flooring	Subfloor

Exterior

Year Built	Built 1941
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Asphalt
Lot Area	183,823 sqft (4.21 acres)

Exterior Amenities

Porch	Porch
Porch Area	50 sqft
Shed	1 Shed
Shed Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0815103006035
Old Parcel Number	0815103006035
Street Address	523 WAYNE ST
City	MIDDLEBURY
State	IN
Zip	46540-9543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	BEG 53 1/3 RDS E OF NW COR- 214.5X858 FT SEC 15 4.22A
Legal Block	103
Jurisdiction	ELKHART IN
Township / Civil Division	MIDDLEBURY
Census Block Group	3
Census Block	3010
Census Tract	804

Owner

Source: Elkhart County records, as of March 5, 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	7822 WINDING CREEK PL, INDIANAPOLIS, IN 46236-9341
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK OF MIDDLEBURY
Jan 22, 2021	Deed of Trust, Mortgage FIRST ST BK/MIDDLEBURY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2005
Deed Sale	Apr 4, 2005
Prior Sale	Sep 2, 2011
Deed Document Number	0000009570
Last Transfer Date	Aug 28, 2015
Transfer Doc	0000017815
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	523 WAYNE ST, MIDDLEBURY, IN 46540-9543
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003228
Date	Jun 21, 2022
Instrument	2022-13228

Lender

Name	FIRST STATE BANK OF MIDDLEBURY
Type	Bank
Address	MIDDLEBURY, IN 46540

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 20, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	523 WAYNE ST, MIDDLEBURY, IN 46540-9543
Document Number	0000002015
Instrument Date	Jan 22, 2021
Transaction Type	Mortgage
Record Updated	Apr 6, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 WAYNE ST MIDDLEBURY IN 465409543, MIDDLEBURY, IN 46540-9543

Mortgage

Document Number	0000002015
Date	Jan 25, 2021
Instrument	2015

Lender

Name	FIRST ST BK/MIDDLEBURY
Type	Bank
Address	MIDDLEBURY, IN 46540

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2051

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Middlebury Township
Municipality	Middlebury Town
Unified School District	Middlebury Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$165,200 (+2.74%) Land $70,000 Building $95,200	$165,200 (+2.74%) Land $70,000 Building $95,200
2024	$3,215.00 (-0.59%)	$160,800 (+2.68%) Land $70,000 Building $90,800	$160,800 (+2.68%) Land $70,000 Building $90,800
2023		$156,600 (+6.6%) Land $70,000 Building $86,600	$156,600 (+6.6%) Land $70,000 Building $86,600
2022	$3,234.00	$146,900 Land $70,000 Building $76,900	$146,900 Land $70,000 Building $76,900

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 August 22, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · above 73% of Indiana
Wildfire Likelihood	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 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Mercury Fiber, New Paris Telephone Company.

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