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644 E 16th St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 644 E 16th St, Mishawaka, IN 46544

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 2,167 sqft · built 1996
Lot Size2.04 acres (88,862 sqft)
OwnerIndividual Name on File
Tax Bill$4,716 (2024)
Deeds & MortgagesJun 2023 Mortgage
Flood ZoneZone X (minimal risk)
APN71-09-22-126-013.000-022

Property Details

APN / Parcel Number

Primary APN71-09-22-126-013.000-022
Alternative APN
  • 0271001015802

Interior

Bedrooms4 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Plumbing Fixtures14 Plumbing Fixtures
Total Rooms8 Rooms
Stories2 Stories
Building Area2,167 sqft Living Area
Gross Area2,972 sqft
AtticAttic
Attic Area468 sqft
Basement Area1,592 sqft
Finished Basement1,273 sqft
Family RoomFamily Room
Fireplaces2 Fireplaces
FireplaceFireplace

Exterior

Year BuiltBuilt 1996
Construction TypeWood
Foundation TypeSlab (Mat/Raft)
Roof MaterialAsphalt
Lot Area88,862 sqft (2.04 acres)
Garage TypeMixed
Garage Area1,416 sqft
Parking Spaces5 Parking Spaces

Exterior Amenities

Pool TypeAbove-Ground Pool
Pool Area452 sqft
Deck Area953 sqft
Lean-To192 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerConnected

Location & Zoning

Account Number0271001015802
Street Address644 E 16TH ST
CityMISHAWAKA
StateIN
Zip46544-5515
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 1A REPLAT OF LOTS 1 AND 5 IN THE REPLAT OF POWELL MAJOR SUB 14/15 REPLAT # 6009 07-30-13 01/02 REPLAT # 5797 8/17/2000
Legal SubdivisionPOWELL MAJOR SUB
Legal Lot Number1A,1
JurisdictionST JOSEPH IN
Township / Civil DivisionPENN
Census Block Group2
Census Block2007
Census Tract10300

Owner

644 E 16th St is owned and occupied by an individual who acquired it in June 2023.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address644 E 16TH ST, MISHAWAKA, IN 46544-5515
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 17, 2014
Deed SaleJul 17, 2014
Prior SaleJul 17, 2014
Deed Document Number1416969
Last Transfer DateJun 5, 2023
Transfer Doc0002312103
Record UpdatedJun 8, 2026

June 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionST JOSEPH IN
Recording DateJun 5, 2023
Property Address644 E 16TH ST, MISHAWAKA, IN 46544-5515
Document Number0002312103
Map ReferenceIN 1416696
Instrument DateMay 25, 2023
Instrument2312103
Transaction TypeTransfer
Record UpdatedJul 5, 2023

Transaction

Tax$0.00
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address644 E 16TH ST, MISHAWAKA, IN 46544-5515

Transferred To (Grantee/Buyer)

NameVerified Name
Address644 E 16TH ST, MISHAWAKA, IN 46544-5515

Mortgage

Document Number0002312104
DateJun 5, 2023
Instrument2312104
Lender
NameRELIANCE FIRST CAPITAL LLC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2053

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateIndiana
CountySt. Joseph County
County SubdivisionPenn Township
MunicipalityMishawaka City
Unified School DistrictPenn-Harris-Madison School Corporation (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$528,700 Land $85,600 Building $443,100$528,700 Land $85,600 Building $443,100
2024$4,716.00 (-5.4%)
2023$4,985.00 (-3.78%)$436,100 (-1.13%) Land $85,600 Building $350,500$436,100 (-1.13%) Land $85,600 Building $350,500
2022$5,181.00 (+32.74%) Homeowner's exemption$441,100 Land $85,600 Building $355,500$441,100 Land $85,600 Building $355,500
2021$3,903.00

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

Flood

FEMA maps place 644 E 16th St in Zone X, an area of minimal flood risk.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force

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

Wildfire risk around 644 E 16th St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 94% of Indiana
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemMISHAWAKA UTILITIES
serves 49,675 people · EPA ID IN5271009
Water SourceGroundwater
Last State InspectionFeb 2025
Lead7 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 415 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250

May also be available: Mercury Fiber, Verizon.

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