55357 Cedar Trl, Mishawaka, IN 46545 Property Records

St. Joseph County property record for 55357 Cedar Trl, Mishawaka, IN 46545

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 988 sqft · built 1966
Lot Size	0.349 acres (15,210 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Apr 2025)
Tax Bill	$1,096 (2024)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Jul 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`71-10-05-152-011.000-031`

Property Details

APN / Parcel Number

Primary APN	`71-10-05-152-011.000-031`
Alternative APN	`0141041070723`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
Basement Area	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Exterior Material	Block
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	15,210 sqft (0.349 acres)
Lot Dimensions	195 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0141041070723
Street Address	55357 CEDAR TRL
City	MISHAWAKA
State	IN
Zip	46545-5403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22 KELSANS CEDAR LANE SUB
Legal Subdivision	KELSANS CEDAR LANE SUB
Legal Lot Number	22
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	2
Census Block	2005
Census Tract	11603

Owner

55357 Cedar Trl is owned and occupied by an individual who bought it in April 2025.

Source: St. Joseph County records, as of March 6, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	55357 CEDAR TRL, MISHAWAKA, IN 46545-5403
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
Apr 8, 2025	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC
Jul 5, 2023	Warranty Deed, Transfer MTC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2025 · Amount on File
Deed Sale	Apr 8, 2025 · Amount on File
Prior Sale	Jul 5, 2023
Deed Document Number	2507830
Record Updated	Jun 8, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Apr 8, 2025
Property Address	55357 CEDAR TRL, MISHAWAKA, IN 46545-5403
Document Number	0002507830
Map Reference	PB 20 PG K-1
Instrument Date	Apr 2, 2025
Instrument	2507830
Transaction Type	Transfer
Record Updated	Oct 10, 2025
Title Company	METROPLITAN TITLE, METROPOLITAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	55357 CEDAR TRL, MISHAWAKA, IN 46545-5403

Mortgage

Document Number	0002507831
Date	Apr 8, 2025
Instrument	2507831

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jul 5, 2023
Property Address	55357 CEDAR TRL, MISHAWAKA, IN 46545-5403
Document Number	0002314683
Map Reference	PB 20 PG K
Instrument Date	May 11, 2023
Instrument	2314683
Transaction Type	Transfer
Record Updated	Oct 10, 2025
Title Company	MTC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55357 CEDAR TRL, MISHAWAKA, IN 46545-5403

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	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		$145,600 (-0.55%) Land $45,700 Building $99,900	$145,600 (-0.55%) Land $45,700 Building $99,900
2024	$1,096.00 (+6.72%)	$146,400 (+0.07%) Land $45,700 Building $100,700	$146,400 (+0.07%) Land $45,700 Building $100,700
2023	$1,027.00 (-5.43%)	$146,300 (-) Land $46,200 Building $100,100	$146,300 (-) Land $46,200 Building $100,100
2022	$1,086.00 (+59%)	$146,300 Land $46,200 Building $100,100	$146,300 Land $46,200 Building $100,100
2021	$683.00

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

Flood

FEMA maps place 55357 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 55357 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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