St. Joseph County property record for 54820 Elder Rd, Mishawaka, IN 46545
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,752 sqft · built 1962 |
| Lot Size | 0.426 acres (18,600 sqft) |
| Owner | Company Name on File |
| Tax Bill | $696 (2024) |
| Deeds & Mortgages | Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 71-04-35-476-002.000-031 |
| Primary APN | 71-04-35-476-002.000-031 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,752 sqft Living Area |
| Basement Area | 1,240 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 18,600 sqft (0.426 acres) |
| Lot Dimensions | 93 ft deep x 200 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0141060124902 |
|---|---|
| Street Address | 54820 ELDER RD |
| City | MISHAWAKA |
| State | IN |
| Zip | 46545-4531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 100' N & S X 196' E & W BEG AT SW COR N 1/2 OF NW 1-4 SE SE SEC 35-38-3E |
| Legal Range | 03E |
| Legal Township | 38 |
| Legal Section | 35 |
| Jurisdiction | ST JOSEPH IN |
| Township / Civil Division | PENN |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 11504 |
54820 Elder Rd is owned by a company that acquired it in November 2013 and is owner-occupied.
Source: St. Joseph County records, as of March 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 54820 ELDER RD, MISHAWAKA, IN 46545-4531 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 12, 2013 |
| Deed Sale | Nov 12, 2013 |
| Deed Document Number | 1334458 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH IN |
| Property Address | 54820 ELDER RD, MISHAWAKA, IN 46545-4531 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1829964 |
|---|---|
| Date | Nov 20, 2018 |
| Instrument | 1829964 |
| Name | TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 156 Months |
| Due | Nov 8, 2031 |
| Rate Type | Fixed Rate |
|---|
Source: St. Joseph County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | St. Joseph County |
| County Subdivision | Penn Township |
| Unified School District | Penn-Harris-Madison School Corporation (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $146,500 Land $23,600 Building $122,900 | $146,500 Land $23,600 Building $122,900 | |
| 2024 | $696.00 (-22.58%) | ||
| 2023 | $899.00 (+10.99%) | $146,100 (+20.35%) Land $38,200 Building $107,900 | $146,100 (+20.35%) Land $38,200 Building $107,900 |
| 2022 | $810.00 | $121,400 Land $9,700 Building $111,700 | $121,400 Land $9,700 Building $111,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 54820 Elder Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2000.
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 Claims | 3 (2000–2001) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jun 2001 · river or lake flooding |
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 risk around 54820 Elder Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 63% of Indiana |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 211 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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