54596 28th St, South Bend, IN 46635 Property Records

St. Joseph County property record for 54596 28th St, South Bend, IN 46635

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,650 sqft · built 1960
Lot Size	0.19 acres (8,316 sqft)
Owner	Individual Name on Record
Tax Bill	$1,530 (2024)
Deeds & Mortgages	Jul 2018 Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`71-04-32-332-002.000-003`

Property Details

APN / Parcel Number

Primary APN	`71-04-32-332-002.000-003`
Alternative APN	`00221557123`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,650 sqft Living Area
Basement Area	1,042 sqft

Exterior

Year Built	Built 1960
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	8,316 sqft (0.19 acres)
Lot Dimensions	132 ft deep x 63 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	00221557123
Street Address	54596 28TH ST
City	SOUTH BEND
State	IN
Zip	46635-1810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 581 WILMETTE PK 3RD ADD
Legal Subdivision	WILMETTE PK 3RD ADD
Legal Lot Number	581
Jurisdiction	ST JOSEPH IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1015
Census Tract	11310

Owner

Source: St. Joseph County records, as of March 6, 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	54596 28TH ST, SOUTH BEND, IN 46635-1810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK
Jan 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2005
Deed Sale	Jun 9, 2005
Prior Sale	May 17, 2005
Deed Document Number	0000525045
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	54596 28TH ST, SOUTH BEND, IN 46635-1810
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001816794
Date	Jul 9, 2018
Instrument	1816794

Lender

Name	PNC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Fixed Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	54596 28TH ST, SOUTH BEND, IN 46635-1810
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002202825
Date	Jan 28, 2022
Instrument	2202825

Lender

Name	PNC BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

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		$215,200 (+32.92%) Land $40,200 Building $175,000	$215,200 (+32.92%) Land $40,200 Building $175,000
2024	$1,530.00 (+1.93%)
2023	$1,501.00 (-5.83%)	$161,900 (-) Land $40,200 Building $121,700	$161,900 (-) Land $40,200 Building $121,700
2022	$1,594.00	$161,900 Land $40,200 Building $121,700	$161,900 Land $40,200 Building $121,700

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 December 15, 2015

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	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	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 525 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet, Verizon.

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