623 Studebaker St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 623 Studebaker St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 120 sqft · built 1948
Lot Size	0.106 acres (4,640 sqft)
Owner	Individual Name on File
Last Sale	$119,900 (Oct 2021)
Tax Bill	$1,437 (2024)
Deeds & Mortgages	Oct 2021 Sale & Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`71-09-10-481-012.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-10-481-012.000-023`
Alternative APN	`01610421814`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	120 sqft Living Area
Gross Area	720 sqft
Basement Area	720 sqft
Finished Basement	600 sqft

Exterior

Year Built	Built 1948
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	4,640 sqft (0.106 acres)
Lot Dimensions	116 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610421814
Street Address	623 STUDEBAKER ST
City	MISHAWAKA
State	IN
Zip	46544-2436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 361 LINCOLN GARDEN REALTY CO 1ST ADD
Legal Subdivision	LINCOLN GARDEN REALTY CO 1ST ADD
Legal Lot Number	361
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	5
Census Block	5020
Census Tract	10300

Owner

623 Studebaker St is owned and occupied by an individual who bought it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	623 STUDEBAKER ST, MISHAWAKA, IN 46544-2436
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
Oct 7, 2021	Warranty Deed, Transfer · Conventional Mortgage TEACHERS CU
May 31, 2019	Warranty Deed, Transfer · FHA Mortgage HORIZON BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2021 · Amount on File
Deed Sale	Oct 7, 2021 · Amount on File
Prior Sale	May 31, 2019
Deed Document Number	0002135456
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Oct 7, 2021
Property Address	623 STUDEBAKER ST, MISHAWAKA, IN 46544-2436
Document Number	0002135456
Map Reference	PB 10 PG 30
Instrument Date	Oct 1, 2021
Instrument	2135456
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 STUDEBAKER ST, MISHAWAKA, IN 46544-2436

Mortgage

Document Number	0002135457
Date	Oct 7, 2021
Instrument	2135457

Lender

Name	TEACHERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	May 31, 2019
Property Address	623 STUDEBAKER ST, MISHAWAKA, IN 46544-2436
Document Number	0001912280
Map Reference	PB 10 PG 30
Instrument Date	May 29, 2019
Instrument	1912280
Transaction Type	Transfer
Record Updated	Jun 12, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 STUDEBAKER ST, MISHAWAKA, IN 46544-2436

Mortgage

Document Number	0001912281
Date	May 31, 2019
Instrument	1912281

Lender

Name	HORIZON BANK NA

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

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
Municipality	Mishawaka City
Unified School District	Mishawaka School City (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$158,400 Land $31,500 Building $126,900	$158,400 Land $31,500 Building $126,900
2024	$1,437.00 (-2.24%)
2023	$1,470.00 (-0.68%)	$130,000 (-) Land $31,500 Building $98,500	$130,000 (-) Land $31,500 Building $98,500
2022	$1,480.00 Homeowner's exemption	$130,000 Land $31,500 Building $98,500	$130,000 Land $31,500 Building $98,500

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

Flood

FEMA maps place 623 Studebaker St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective December 15, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	4 (1982–2018)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Mar 2018 · rainfall accumulation

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

The area around 623 Studebaker St has no burnable land within ember reach, so its wildfire risk is not rated.

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 444 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Mercury Fiber.

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