605 N Division St, Bristol, IN 46507 Property Records

Elkhart County property record for 605 N Division St, Bristol, IN 46507

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,984 sqft · built 2020
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,589 (2024)
Deeds & Mortgages	Nov 2020 Mortgage Dec 2019 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-03-22-453-006.000-031`

Property Details

APN / Parcel Number

Primary APN	`20-03-22-453-006.000-031`
Alternative APN	`0322453006031`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	1,984 sqft Living Area
Basement Area	1,984 sqft

Exterior

Year Built	Built 2020
Construction Type	Wood
Roof Material	Asphalt
Lot Area	23,087 sqft (0.53 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0322453006031
Old Parcel Number	0322453006031
Street Address	605 N DIVISION ST
City	BRISTOL
State	IN
Zip	46507-8927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	IN SE 82X362FT SEC 22 .53A
Legal Block	453
Jurisdiction	ELKHART IN
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2026
Census Tract	701

Owner

Source: Elkhart County records, as of March 5, 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	605 N DIVISION ST, BRISTOL, IN 46507-8927
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage HORIZON BANK
Dec 3, 2019	Trustee's Deed, Construction Loan · Construction Mortgage HORIZON BK
Aug 14, 2019	Warranty Deed, Transfer · ARM HORIZON BANK
Mar 14, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2019
Deed Sale	Aug 14, 2019
Prior Sale	Mar 14, 2017
Deed Document Number	2019-16466
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	605 N DIVISION ST, BRISTOL, IN 46507-8927
Transaction Type	Mortgage
Record Updated	Aug 8, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006687
Date	Nov 9, 2020
Instrument	2020-26687

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

December 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ELKHART IN
Recording Date	Dec 3, 2019
Property Address	605 N DIVISION ST, BRISTOL, IN 46507-8927
Instrument Date	Nov 21, 2019
Instrument	25187
Transaction Type	Construction Loan
Record Updated	Dec 27, 2019
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	59156 SPARROW LN GOSHEN IN 465288343, GOSHEN, IN 46528-8343

Mortgage

Document Number	0000025187
Date	Dec 3, 2019
Instrument	25187

Lender

Name	HORIZON BK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Aug 14, 2019
Property Address	605 N DIVISION ST, BRISTOL, IN 46507-8927
Document Number	0000006466
Instrument Date	Aug 12, 2019
Instrument	2019-16466
Transaction Type	Transfer
Record Updated	Aug 8, 2022
Title Company	FIDELITY NATIONAL TTL CO LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 FAIRWAY AVE, BRISTOL, IN 46507-8700

Mortgage

Document Number	0000006467
Date	Aug 14, 2019
Instrument	2019-16467

Lender

Name	HORIZON BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2039

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	11.5%

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKHART IN
Recording Date	Mar 14, 2017
Property Address	605 N DIVISION ST, BRISTOL, IN 46507-8927
Document Number	0000005065
Instrument Date	May 27, 2010
Instrument	5065
Transaction Type	Transfer
Record Updated	Mar 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Washington Township
Municipality	Bristol Town
Unified School District	Elkhart Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$491,900 (+8.9%) Land $20,800 Building $471,100	$491,900 (+8.9%) Land $20,800 Building $471,100
2024	$4,589.00 (+19.38%)	$451,700 (+4.66%) Land $20,800 Building $430,900	$451,700 (+4.66%) Land $20,800 Building $430,900
2023		$431,600 (+13.97%) Land $20,800 Building $410,800	$431,600 (+13.97%) Land $20,800 Building $410,800
2022	$3,844.00	$378,700 Land $20,800 Building $357,900	$378,700 Land $20,800 Building $357,900

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 August 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	4 (2007–2019)
Most Recent Claim	Jan 2019 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Feb 2018 · 2 claims

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Surf Internet.

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