St. Joseph County property record for 54896 Elder Rd, Mishawaka, IN 46545
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,288 sqft · built 1910 |
| Lot Size | 4.48 acres (195,149 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,164 (2024) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 71-04-35-476-004.000-031 |
| Primary APN | 71-04-35-476-004.000-031 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,288 sqft Living Area |
| Basement Area | 960 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1943 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 195,149 sqft (4.48 acres) |
| Garage Type | Mixed |
| Garage Area | 520 sqft |
| Carport | Carport |
| Carport Area | 216 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 800 sqft |
| Bath House | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 01410601250 |
|---|---|
| Street Address | 54896 ELDER RD |
| City | MISHAWAKA |
| State | IN |
| Zip | 46545-4531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHASZARS ELDER ROAD MINOR SUB LOT 1 |
| Legal Subdivision | ROAD MINOR SUB |
| Legal Lot Number | 1 |
| Jurisdiction | ST JOSEPH IN |
| Township / Civil Division | PENN |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 11504 |
54896 Elder Rd is owned and occupied by an individual who acquired it in December 2020.
Source: St. Joseph County records, as of March 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 54896 ELDER RD, MISHAWAKA, IN 46545-4531 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 Transfer Date | Dec 3, 2020 |
| Transfer Doc | 2037701 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST JOSEPH IN |
| Recording Date | Dec 3, 2020 |
| Property Address | 54896 ELDER RD, MISHAWAKA, IN 46545-4531 |
| Document Number | 2037701 |
| Map Reference | IN 9646736 |
| Instrument Date | Nov 12, 2020 |
| Instrument | 2037701 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | NEAR NORTH TITLE GROUP |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 54896 ELDER RD, MISHAWAKA, IN 46545-4531 |
| Document Number | 2037702 |
|---|---|
| Date | Dec 3, 2020 |
| Instrument | 2037702 |
| Name | NOTRE DAME FCU |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
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 | $242,400 Land $59,200 Building $183,200 | $242,400 Land $59,200 Building $183,200 | |
| 2024 | $2,164.00 (-10.1%) | ||
| 2023 | $2,407.00 (+16.45%) | $252,500 (+19.55%) Land $58,700 Building $193,800 | $252,500 (+19.55%) Land $58,700 Building $193,800 |
| 2022 | $2,067.00 | $211,200 Land $17,400 Building $193,800 | $211,200 Land $17,400 Building $193,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 54896 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 54896 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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