St. Joseph County property record for 54962 Elder Rd, Mishawaka, IN 46545
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,558 sqft · built 1968 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | Individual Name on File |
| Last Sale | $162,100 (Jan 2020) |
| Tax Bill | $100 (2024) |
| Deeds & Mortgages | Nov 2019 Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 71-04-35-476-006.000-031 |
| Primary APN | 71-04-35-476-006.000-031 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,558 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 65,340 sqft (1.5 acres) |
| Garage Type | Detached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 201 sqft |
| Shed | 1 Shed |
| Shed Area | 140 sqft |
| Lean-To | 252 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0141060125102 |
|---|---|
| Street Address | 54962 ELDER RD |
| City | MISHAWAKA |
| State | IN |
| Zip | 46545-4520 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 J STUMP MINOR SUB |
| Legal Subdivision | J STUMP MINOR SUB |
| Legal Lot Number | 2 |
| Jurisdiction | ST JOSEPH IN |
| Township / Civil Division | PENN |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 11504 |
54962 Elder Rd is owned and occupied by an individual who bought it in January 2020.
Source: St. Joseph County records, as of March 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 54962 ELDER RD, MISHAWAKA, IN 46545-4520 |
| 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.
| Date | Document |
|---|---|
| Nov 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FSB |
| Feb 4, 2021 | Deed of Trust, Mortgage · VA Mortgage BROKERS SOLUTIONS INC |
| Jan 30, 2020 | Warranty Deed, Transfer · VA Mortgage BROKERS SOLUTIONS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 30, 2020 · Amount on File |
| Deed Sale | Jan 30, 2020 · Amount on File |
| Deed Document Number | 0002002814 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH IN |
| Property Address | 54962 ELDER RD, MISHAWAKA, IN 46545-4520 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001929179 |
|---|---|
| Date | Nov 7, 2019 |
| Instrument | 1929179 |
| Name | FIRST FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 30, 2039 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH IN |
| Property Address | 54962 ELDER RD, MISHAWAKA, IN 46545-4520 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0002103647 |
|---|---|
| Date | Feb 4, 2021 |
| Instrument | 2103647 |
| Name | BROKERS SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST JOSEPH IN |
| Recording Date | Jan 30, 2020 |
| Property Address | 54962 ELDER RD, MISHAWAKA, IN 46545-4520 |
| Document Number | 0002002814 |
| Map Reference | PB 23 PG S |
| Instrument Date | Jan 17, 2020 |
| Instrument | 2002814 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2023 |
| Title Company | METROPOLITAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 54962 ELDER RD, MISHAWAKA, IN 46545-4520 |
| Investor | Possibly a Property Investor |
| Document Number | 0002002815 |
|---|---|
| Date | Jan 30, 2020 |
| Instrument | 2002815 |
| Name | BROKERS SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2050 |
| 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 | $98,200 Land $18,000 Building $80,200 | $98,200 Land $18,000 Building $80,200 | |
| 2024 | $100.00 (+72.41%) | ||
| 2023 | $58.00 (-9.38%) | $87,600 (-0.34%) Land $20,000 Building $67,600 | $87,600 (-0.34%) Land $20,000 Building $67,600 |
| 2022 | $64.00 | $87,900 Land $20,000 Building $67,900 | $87,900 Land $20,000 Building $67,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 54962 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 54962 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 · above 40% 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 32 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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