Elkhart County property record for 604 Spring Arbor Dr, Middlebury, IN 46540
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 1,564 sqft · built 1989 |
| Lot Size | 0.369 acres (16,074 sqft) |
| Owner | Individual Name on File |
| Last Sale | $345,000 (Dec 2024) |
| Tax Bill | $2,971 (2024) |
| Deeds & Mortgages | May 2017 Mortgage Mar 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-08-16-103-003.000-035 |
| Primary APN | 20-08-16-103-003.000-035 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,564 sqft Living Area |
| 1st Floor Area | 1,554 sqft |
| Basement Area | 1,554 sqft |
| Game Room | Game Room |
| Flooring | Subfloor |
| Year Built | Built 1989 |
|---|---|
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 16,074 sqft (0.369 acres) |
| Lot Dimensions | 146 ft deep x 110 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 800 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 108 sqft |
| Patio Area | 690 sqft |
| Bath House | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0816103003035 |
|---|---|
| Old Parcel Number | 0816103003035 |
| Street Address | 604 SPRING ARBOR DR |
| City | MIDDLEBURY |
| State | IN |
| Zip | 46540-9499 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ZO01 |
| Legal Description | SPRING VALLEY 2ND PUD LOT 34 |
| Legal Subdivision | SPRING VALLEY 2ND |
| Legal Block | 103 |
| Legal Lot Number | 34 |
| Jurisdiction | ELKHART IN |
| Township / Civil Division | MIDDLEBURY |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 804 |
604 Spring Arbor Dr is owned and occupied by an individual who bought it in December 2024.
Source: Elkhart County records, as of March 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 604 SPRING ARBOR DR, MIDDLEBURY, IN 46540-9499 |
| 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 |
|---|---|
| May 2, 2017 | Deed of Trust, Mortgage · Commercial Mortgage HORIZON BANK NA |
| Mar 28, 2022 | Deed of Trust, Mortgage · Line of Credit HORIZON BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 18, 2024 · Amount on File |
| Deed Sale | Dec 18, 2024 · Amount on File |
| Prior Sale | Apr 5, 2011 |
| Deed Document Number | 0000001099 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKHART IN |
| Property Address | 604 SPRING ARBOR DR, MIDDLEBURY, IN 46540-9499 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000008809 |
|---|---|
| Date | May 2, 2017 |
| Instrument | 2017-08809 |
| Name | HORIZON BANK NA |
|---|---|
| Type | Bank |
| Address | HANNA, IN 46340 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Apr 24, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELKHART IN |
| Property Address | 604 SPRING ARBOR DR, MIDDLEBURY, IN 46540-9499 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 604 SPRING ARBOR DR, MIDDLEBURY, IN 46540-9499 |
| Document Number | 0000006500 |
|---|---|
| Date | Mar 28, 2022 |
| Instrument | 2022-06500 |
| Name | HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MICHIGAN CITY, IN 46360 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Elkhart County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Elkhart County |
| County Subdivision | Middlebury Township |
| Municipality | Middlebury Town |
| Unified School District | Middlebury Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $315,000 (+6.02%) Land $23,700 Building $291,300 | $315,000 (+6.02%) Land $23,700 Building $291,300 | |
| 2024 | $2,971.00 | $297,100 (+19.37%) Land $23,700 Building $273,400 | $297,100 (+19.37%) Land $23,700 Building $273,400 |
| 2023 | $248,900 (+11.66%) Land $23,700 Building $225,200 | $248,900 (+11.66%) Land $23,700 Building $225,200 | |
| 2022 | $3,773.00 Homeowner's exemption | $222,900 Land $23,700 Building $199,200 | $222,900 Land $23,700 Building $199,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 604 Spring Arbor Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 22, 2024
| 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 risk around 604 Spring Arbor Dr is low, with 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 80% of the US · above 73% of Indiana |
|---|---|
| Wildfire Likelihood | 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.
Source: FCC Broadband Data Collection, based on 141 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Internet Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| New Paris Telephone Company Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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