607 Wayne St, Middlebury, IN 46540 Property Records

Elkhart County property record for 607 Wayne St, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,720 sqft · built 1970
Lot Size	0.689 acres (30,013 sqft)
Owner	Individual Name on Record
Tax Bill	$2,470 (2024)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`20-08-15-101-004.000-035`

Property Details

APN / Parcel Number

Primary APN	`20-08-15-101-004.000-035`
Alternative APN	`0815101004035`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,720 sqft Living Area
1st Floor Area	988 sqft
2nd Floor Area	1,732 sqft
Family Room	Family Room
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	30,013 sqft (0.689 acres)
Lot Dimensions	200 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	232 sqft
Patio Area	452 sqft
Shed	1 Shed
Shed Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0815101004035
Old Parcel Number	0815101004035
Street Address	607 WAYNE ST
City	MIDDLEBURY
State	IN
Zip	46540-9543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	ROLLING MEADOWS SD LOT 3 & E 1/2 LOT 2
Legal Subdivision	ROLLING MEADOWS
Legal Block	101
Legal Lot Number	3,2
Jurisdiction	ELKHART IN
Township / Civil Division	MIDDLEBURY
Census Block Group	3
Census Block	3010
Census Tract	804

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	607 WAYNE ST, MIDDLEBURY, IN 46540-9543
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Deed of Trust, Mortgage · VA Mortgage INDEPENDENCE HOME LOANS LLC
Oct 3, 2022	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Dec 13, 2018	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Dec 30, 2019	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Nov 18, 2020	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Jun 23, 2017	Warranty Deed, Transfer · VA Mortgage HORIZON BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2017
Deed Sale	Jun 23, 2017
Deed Document Number	0000002933
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	607 WAYNE ST, MIDDLEBURY, IN 46540-9543
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	607 WAYNE ST, MIDDLEBURY, IN 46540-9543

Mortgage

Document Number	0000009756
Date	Nov 7, 2025
Instrument	2025-19756

Lender

Name	INDEPENDENCE HOME LOANS LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85251

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	607 WAYNE ST, MIDDLEBURY, IN 46540-9543
Transaction Type	Mortgage
Record Updated	Oct 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001176
Date	Oct 3, 2022
Instrument	2022-21176

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Interest

Index	6-Month T-Bill

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	607 WAYNE ST, MIDDLEBURY, IN 46540-9543
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025481
Date	Dec 13, 2018
Instrument	2018-25481

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	607 WAYNE ST, MIDDLEBURY, IN 46540-9543
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027408
Date	Dec 30, 2019
Instrument	2019-27408

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	607 WAYNE ST, MIDDLEBURY, IN 46540-9543
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027619
Date	Nov 18, 2020
Instrument	2020-27619

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Jun 23, 2017
Property Address	607 WAYNE ST, MIDDLEBURY, IN 46540-9543
Document Number	0000002933
Instrument Date	Jun 13, 2017
Instrument	2017-12933
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	HAMILTON TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	607 WAYNE ST, MIDDLEBURY, IN 46540-9543

Mortgage

Document Number	0000002934
Date	Jun 23, 2017
Instrument	2017-12934

Lender

Name	HORIZON BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Middlebury Township
Municipality	Middlebury Town
Unified School District	Middlebury Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$279,000 (+12.96%) Land $24,700 Building $254,300	$279,000 (+12.96%) Land $24,700 Building $254,300
2024	$2,470.00 (+17.51%)	$247,000 (+6.37%) Land $24,700 Building $222,300	$247,000 (+6.37%) Land $24,700 Building $222,300
2023		$232,200 (+11.26%) Land $24,700 Building $207,500	$232,200 (+11.26%) Land $24,700 Building $207,500
2022	$2,102.00	$208,700 Land $24,700 Building $184,000	$208,700 Land $24,700 Building $184,000

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

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	Low lower than 80% of the US · above 73% of Indiana
Wildfire Likelihood	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 188 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Mercury Fiber, New Paris Telephone Company.

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