55352 Cedar Trl, Mishawaka, IN 46545 Property Records

St. Joseph County property record for 55352 Cedar Trl, Mishawaka, IN 46545

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,066 sqft · built 2016
Lot Size	1.01 acres (44,039 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (May 2017)
Tax Bill	$3,033 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`71-10-05-153-003.000-031`

Property Details

APN / Parcel Number

Primary APN	`71-10-05-153-003.000-031`
Alternative APN	`0141041070903`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,066 sqft Living Area
Gross Area	4,239 sqft
1st Floor Area	3,551 sqft
Basement Area	1,485 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2017
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	44,039 sqft (1.01 acres)
Lot Dimensions	367 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	1,379 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	706 sqft
Deck Area	418 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	55352 CEDAR TRL
City	MISHAWAKA
State	IN
Zip	46545-5409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 CLAYTONS GLEN NP #250 1/12/10
Legal Subdivision	CLAYTONS GLEN
Legal Lot Number	4
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	2
Census Block	2000
Census Tract	11603

Owner

55352 Cedar Trl is owned and occupied by two individuals who bought it in May 2017.

Source: St. Joseph County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	55352 CEDAR TRL, MISHAWAKA, IN 46545-5409
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE FUNDING
Oct 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA
May 2, 2017	Deed, Subdivision Related Transfer FIDELITY NATIONAL TITLE
May 2, 2017	Deed, Subdivision Related Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2017 · Amount on File
Deed Sale	May 2, 2017 · Amount on File
Prior Sale	Mar 25, 2015 · Amount on File
Deed Document Number	201710655
Prior Transfer Date	Nov 14, 2016
Prior Transfer Doc	0000032419
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Recording Date	Aug 14, 2026
Property Address	55352 CEDAR TRL, MISHAWAKA, IN 46545-5409
Document Number	0000021714
Instrument Date	Aug 8, 2026
Instrument	202621714
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021714,
Date	Aug 14, 2026
Instrument	202621714

Lender

Name	MORTGAGE FUNDING

Agreement

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

Interest

Max Rate	-1%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	55352 CEDAR TRL, MISHAWAKA, IN 46545-5409
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001926513
Date	Oct 14, 2019
Instrument	1926513

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	72 Months
Due	Aug 15, 2025

Interest

Rate Type	Fixed Rate

May 2017: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	ST JOSEPH IN
Recording Date	May 2, 2017
Property Address	55352 CEDAR TRL, MISHAWAKA, IN 46545-5409
Document Number	1710655
Map Reference	IN 1000979
Instrument Date	Apr 14, 2017
Instrument	1710655
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 6, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55352 CEDAR TRL, MISHAWAKA, IN 46545-5409

May 2017: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	ST JOSEPH IN
Recording Date	May 2, 2017
Property Address	55352 CEDAR TRL, MISHAWAKA, IN 46545-5409
Document Number	0001710655
Map Reference	IN 1000979
Instrument Date	Apr 14, 2017
Instrument	1710655
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 12, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55352 CEDAR TRL, MISHAWAKA, IN 46545-5409

Mortgage

Document Number	0001710656
Date	May 2, 2017
Instrument	1710656

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 55352 Cedar Trl was $3,033 with a homeowner's exemption, down 16.1% from the year before.

Source: St. Joseph County assessment roll, as of March 11, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	St. Joseph County
County Subdivision	Penn Township
Unified School District	Penn-Harris-Madison School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,033.00 (-16.08%)	$380,900 Land $91,400 Building $289,500	$380,900 Land $91,400 Building $289,500
2024	$3,614.00 (+8.63%)
2023	$3,327.00 (-14.95%)	$376,000 (-4.42%) Land $76,300 Building $299,700	$376,000 (-4.42%) Land $76,300 Building $299,700
2022	$3,912.00 Homeowner's exemption	$393,400 Land $69,900 Building $323,500	$393,400 Land $69,900 Building $323,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 55352 Cedar Trl in Zone X, an area of minimal flood risk.

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

Wildfire risk around 55352 Cedar Trl 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 96% of the US · lower than 73% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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