St. Joseph County property record for 646 Studebaker St, Mishawaka, IN 46544
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 816 sqft · built 1926 |
| Lot Size | 0.106 acres (4,640 sqft) |
| Owner | Individual Name on File |
| Last Sale | $88,500 (Dec 2009) |
| Tax Bill | $1,406 (2024) |
| Deeds & Mortgages | Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 71-09-10-482-001.000-023 |
| Primary APN | 71-09-10-482-001.000-023 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 816 sqft Living Area |
| Basement Area | 816 sqft |
| Year Built | Built 1926 |
|---|---|
| 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 | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Lean-To | 24 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 01610451939 |
|---|---|
| Street Address | 646 STUDEBAKER ST |
| City | MISHAWAKA |
| State | IN |
| Zip | 46544-2433 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 350 1ST ADD LINCOLN GARDEN REALTY CO |
| Legal Subdivision | 1ST ADD LINCOLN GARDEN REALTY CO |
| Legal Lot Number | 350 |
| Jurisdiction | ST JOSEPH IN |
| Township / Civil Division | PENN |
| Census Block Group | 5 |
| Census Block | 5019 |
| Census Tract | 10300 |
646 Studebaker St is owned and occupied by an individual who bought it in December 2009.
Source: St. Joseph County records, as of March 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 646 STUDEBAKER ST, MISHAWAKA, IN 46544-2433 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 2, 2009 · Amount on File |
| Deed Sale | Dec 2, 2009 · Amount on File |
| Prior Sale | Jan 18, 2006 · Amount on File |
| Deed Document Number | 0000939383 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST JOSEPH IN |
| Property Address | 646 STUDEBAKER ST, MISHAWAKA, IN 46544-2433 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001919707 |
|---|---|
| Date | Aug 12, 2019 |
| Instrument | 1919707 |
| Name | FIRST SOURCE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 204 Months |
| Due | Sep 1, 2036 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Joseph County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | St. Joseph County |
| County Subdivision | Penn Township |
| Municipality | Mishawaka City |
| Unified School District | Mishawaka School City (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $156,000 Land $31,500 Building $124,500 | $156,000 Land $31,500 Building $124,500 | |
| 2024 | $1,406.00 (-1.61%) | ||
| 2023 | $1,429.00 (-2.99%) | $126,400 (-2.32%) Land $31,500 Building $94,900 | $126,400 (-2.32%) Land $31,500 Building $94,900 |
| 2022 | $1,473.00 Homeowner's exemption | $129,400 Land $31,500 Building $97,900 | $129,400 Land $31,500 Building $97,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 646 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.
The area around 646 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 478 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Mercury Fiber, T-Mobile.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures