54644 28th St, South Bend, IN 46635 Property Records

St. Joseph County property record for 54644 28th St, South Bend, IN 46635

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 888 sqft · built 1953
Lot Size	0.187 acres (8,184 sqft)
Owner	Individual Name on File
Tax Bill	$3,348 (2024)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`71-04-32-332-006.000-003`

Property Details

APN / Parcel Number

Primary APN	`71-04-32-332-006.000-003`
Alternative APN	`00221557127`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	888 sqft Living Area
Basement Area	888 sqft
Game Room	Game Room

Exterior

Year Built	Built 1953
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	8,184 sqft (0.187 acres)
Lot Dimensions	132 ft deep x 62 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	201 sqft
Shed	1 Shed
Shed Area	49 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	00221557127
Street Address	54644 28TH ST
City	SOUTH BEND
State	IN
Zip	46635-1810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 585 WILMETTE PARK 3RD ADD
Legal Subdivision	WILMETTE PARK 3RD ADD
Legal Lot Number	585
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 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	54644 28TH ST, SOUTH BEND, IN 46635-1810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 21, 2019	Intrafamily Transfer, Transfer NEAR NORTH TITLE GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Aug 21, 2019
Last Transfer Date	Dec 10, 2024
Transfer Doc	0002429266
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Recording Date	Jul 15, 2026
Property Address	54644 28TH ST, SOUTH BEND, IN 46635-1810
Document Number	0000018259
Instrument Date	Jul 7, 2026
Instrument	202618259
Transaction Type	Mortgage
Record Updated	Jul 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54644 28TH ST, SOUTH BEND, IN 46635-1810

Mortgage

Document Number	0000018259,
Date	Jul 15, 2026
Instrument	202618259

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.52%
Max Rate	-1%

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH IN
Recording Date	Aug 21, 2019
Property Address	54644 28TH ST, SOUTH BEND, IN 46635-1810
Document Number	0001920820
Instrument Date	Aug 16, 2019
Instrument	1920820
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	NEAR NORTH TITLE GROUP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54644 28TH ST, SOUTH BEND, IN 46635-1810

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		$177,000 (+59.32%) Land $39,500 Building $137,500	$177,000 (+59.32%) Land $39,500 Building $137,500
2024	$3,348.00 (+495.73%)
2023	$562.00 (-2.94%)	$111,100 (-11.69%) Land $34,800 Building $76,300	$111,100 (-11.69%) Land $34,800 Building $76,300
2022	$579.00	$125,800 Land $39,500 Building $86,300	$125,800 Land $39,500 Building $86,300

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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