644 E 4th St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 644 E 4th St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,464 sqft · built 1895
Lot Size	0.128 acres (5,580 sqft)
Owner	Individual Name on File
Tax Bill	$2,259 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jan 2014 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-157-021.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-157-021.000-023`
Alternative APN	`01610261080`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,464 sqft Living Area
Gross Area	2,796 sqft
1st Floor Area	2,796 sqft
Attic	Attic
Attic Area	400 sqft
Basement Area	932 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	5,580 sqft (0.128 acres)
Lot Dimensions	90 ft deep x 62 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	644 E 4TH ST
City	MISHAWAKA
State	IN
Zip	46544-2231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 EX 42 FT N END POPPENDICKS 1ST ADD
Legal Subdivision	OPPENDICKS 1ST ADD
Legal Lot Number	16
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	3
Census Block	3030
Census Tract	10300

Owner

644 E 4th St is owned and occupied by an individual who acquired it in January 2014.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	644 E 4TH ST, MISHAWAKA, IN 46544-2231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Deed of Trust, Mortgage · Line of Credit HOMETOWN EQUITY MORTGAGE
Jan 21, 2014	Warranty Deed, Transfer METROPLITAN TITLE, METROPOLITAN TITLE
Jul 31, 2008	Sheriff's Deed, Foreclosure
Jul 31, 2008	Sheriff's Deed, Foreclosure
Feb 12, 2007	Personal Representative Deed, Transfer · ARM USMONEY SOURCE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2014
Deed Sale	Jan 21, 2014
Prior Sale	Jul 31, 2008
Deed Document Number	20141554
Prior Transfer Date	Jul 17, 2008
Prior Transfer Doc	0000025375
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Recording Date	Jun 12, 2026
Property Address	644 E 4TH ST, MISHAWAKA, IN 46544-2231
Document Number	0000014831
Instrument Date	Jun 11, 2026
Instrument	202614831
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 LINCOLNWAY E, MISHAWAKA, IN 46544-2214
Investor	Possibly a Property Investor

Mortgage

Document Number	0000014831,
Date	Jun 12, 2026
Instrument	202614831

Lender

Name	HOMETOWN EQUITY MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

January 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jan 21, 2014
Property Address	644 E 4TH ST, MISHAWAKA, IN 46544-2231
Document Number	0001401554
Instrument Date	Jan 10, 2014
Instrument	1401554
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	METROPLITAN TITLE, METROPOLITAN TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 E 4TH ST, MISHAWAKA, IN 46544-2231
Investor	Possibly a Property Investor

July 2008: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jul 31, 2008
Property Address	644 E 4TH ST, MISHAWAKA, IN 46544-2231
Document Number	0000825375
Instrument Date	Jul 17, 2008
Instrument	0825375
Transaction Type	Foreclosure
Record Updated	Jun 23, 2026

Transaction

Amount	Amount on Record
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2008: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jul 31, 2008
Property Address	644 E 4TH ST, MISHAWAKA, IN 46544-2231
Document Number	0000825375
Instrument Date	Jul 17, 2008
Instrument	0825375
Transaction Type	Foreclosure
Record Updated	Jun 23, 2026

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

February 2007: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Feb 12, 2007
Property Address	644 E 4TH ST, MISHAWAKA, IN 46544-2231
Document Number	0000705710
Map Reference	MB2 PG55
Instrument Date	Feb 7, 2007
Instrument	0705710
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE IN LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000705711
Date	Feb 12, 2007
Instrument	0705711

Lender

Name	USMONEY SOURCE INC

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	9.99%
Type Change Date	Mar 1, 2010
Change Frequency	6 Months
Min Rate At Change	6.99%
Max Rate At Change	16.9%
Index	6-Month LIBOR
Max Rate	9.99%

Tax Assessment & Valuation

The 2025 property tax bill for 644 E 4th St was $2,259, down 14.9% from the year before.

Source: St. Joseph County assessment roll, as of March 11, 2026

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	$2,259.00 (-14.95%)	$97,800 Land $27,900 Building $69,900	$97,800 Land $27,900 Building $69,900
2024	$2,656.00 (+10.07%)
2023	$2,413.00 (+0.08%)	$102,800 (-) Land $27,900 Building $74,900	$102,800 (-) Land $27,900 Building $74,900
2022	$2,411.00	$102,800 Land $27,900 Building $74,900	$102,800 Land $27,900 Building $74,900

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

Flood

FEMA maps place 644 E 4th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 15, 2015

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

The area around 644 E 4th 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 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Mercury Fiber, Verizon.

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