5848 Cottage Cir, Granger, IN 46530 Property Records

St. Joseph County property record for 5848 Cottage Cir, Granger, IN 46530

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,389 sqft · built 2005
Lot Size	0.25 acres (10,903 sqft)
Owner	2 Individual Names on Record
Last Sale	$319,200 (Oct 2025)
Tax Bill	$2,250 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`71-04-27-328-006.000-036`

Property Details

APN / Parcel Number

Primary APN	`71-04-27-328-006.000-036`
Alternative APN	`0301012016275`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,389 sqft Living Area
Gross Area	3,178 sqft
1st Floor Area	2,778 sqft
Basement Area	1,389 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,903 sqft (0.25 acres)
Lot Dimensions	270 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	802 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5848 COTTAGE CIR
City	GRANGER
State	IN
Zip	46530-4495
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 77 MAIN ST VILLAS 03-04 NEW REPLAT PER TR2731 5-15-02 2ND REPLAT #8765 9-16-04
Legal Range	02
Legal Township	15
Legal Section	5
Legal Subdivision	MAIN ST VILLAS 03-04 NEW REPLAT
Legal Tract	2731
Legal Lot Number	77
Jurisdiction	ST JOSEPH IN
Township / Civil Division	HARRIS
Census Block Group	3
Census Block	3004
Census Tract	11505

Owner

Source: St. Joseph County records, as of October 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5848 COTTAGE CIR, GRANGER, IN 46530-4495
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Oct 16, 2025	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC
Dec 31, 2019	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC
Aug 3, 2005	Warranty Deed, Subdivision Related Transfer · ARM TEACHERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2025 · Amount on Record
Deed Sale	Oct 16, 2025 · Amount on Record
Prior Sale	Dec 31, 2019 · Amount on Record
Deed Document Number	202526421
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	5848 COTTAGE CIR, GRANGER, IN 46530-4495
Transaction Type	Mortgage
Record Updated	Jan 23, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0002103646
Date	Feb 4, 2021
Instrument	2103646

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Oct 16, 2025
Property Address	5848 COTTAGE CIR, GRANGER, IN 46530-4495
Document Number	0002526421
Map Reference	IN 0445679
Instrument Date	Oct 8, 2025
Instrument	2526421
Transaction Type	Transfer
Record Updated	Jan 23, 2026
Title Company	MTC

Transaction

Amount	Amount Recorded
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	5848 COTTAGE CIR, GRANGER, IN 46530-4495

Mortgage

Document Number	0002526422
Date	Oct 16, 2025
Instrument	2526422

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Dec 31, 2019
Property Address	5848 COTTAGE CIR, GRANGER, IN 46530-4495
Document Number	0001934818
Map Reference	IN 0445679
Instrument Date	Dec 17, 2019
Instrument	1934818
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5848 COTTAGE CIR, GRANGER, IN 46530-4495
Investor	Possibly a Property Investor

Mortgage

Document Number	0001934819
Date	Dec 31, 2019
Instrument	1934819

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate

August 2005: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Aug 3, 2005
Property Address	5848 COTTAGE CIR, GRANGER, IN 46530-4495
Document Number	0000534754
Instrument Date	Jul 29, 2005
Instrument	0534754
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 23, 2026
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE IN LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000534755
Date	Aug 3, 2005
Instrument	0534755

Lender

Name	TEACHERS CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Aug 1, 2010
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year CMT
Max Rate	10.2%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,250.00 (-2.98%)	$293,500 (+27.33%) Land $15,600 Building $277,900	$293,500 (+27.33%) Land $15,600 Building $277,900
2024	$2,319.00 (+2.47%)	$230,500 (+2.49%) Land $15,600 Building $214,900	$230,500 (+2.49%) Land $15,600 Building $214,900
2023	$2,263.00 (-16.34%)	$224,900 (-16.86%) Land $44,600 Building $180,300	$224,900 (-16.86%) Land $44,600 Building $180,300
2022	$2,705.00 Homeowner's exemption	$270,500 Land $53,200 Building $217,300	$270,500 Land $53,200 Building $217,300

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 238 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: Verizon.

Nearby Properties on Cottage Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures