651 E Walnut St, Nappanee, IN 46550 Property Records

Elkhart County property record for 651 E Walnut St, Nappanee, IN 46550 · Last verified March 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	1 Baths
Year Built	Built 1940
Square Footage	1,093 sqft Living Area
Lot Size	8,712 sqft (0.2 acres)
Occupancy	Owner Occupied
Last Sale	$193,000 (2024)
Tax Bill	$1,466.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`20-14-31-183-003.000-029`
Alternative APN	`1431183003029`

Interior

Bedrooms	4 Beds
Full Baths	1 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Building Area	1,093 sqft Living Area
1st Floor	771 sqft 1st Floor
Upper Floors	322 sqft Upper Floors
Basement Area	385 sqft Basement
Stories	2 Stories
Primary Flooring	Subfloor Flooring

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1940
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Wood Construction
Roof Material	Asphalt Roof
Lot Area	8,712 sqft (0.2 acres)
Depth X Width	132 ft x 66 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Detached Garage
Garage Area	320 sqft Garage
Patio Area	172 sqft Patio
Porch	1 Porch
Porch Area	120 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	1431183003029
Old Parcel Number	1431183003029
Street Address	651 E WALNUT ST
City	NAPPANEE
State	IN
Zip	46550-2021
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	STAUFFERS 1ST LOT 6
Legal Subdivision	STAUFFERS 1ST
Legal Block	183
Legal Lot Number	6
Jurisdiction	ELKHART IN
Minor Civil Division	UNION
Census Blockgroup	4
Census Block	4004
Census Tract	1200

Owner

Source: Elkhart County records · APN 20-14-31-183-003.000-029

Assessment roll updated July 1, 2025 · Last verified March 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 File
Mailing Address	651 E WALNUT ST, NAPPANEE, IN 46550-2021
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Feb 09, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY
Oct 23, 2017	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 22, 2024 · Amount on Record
Deed Sale	May 22, 2024 · Amount on Record
Prior Sale	Oct 23, 2017
Deed Doc Number	0000008017
Record Refreshed	Jun 08, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	651 E WALNUT ST, NAPPANEE, IN 46550-2021
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002177
Date	Feb 09, 2023
Instrument	2023-02177

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	651 E WALNUT ST, NAPPANEE, IN 46550-2021
Transaction Type	Mortgage
Record Updated	Jul 02, 2021
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003657
Date	May 26, 2021
Instrument	2021-13657

Lender

Name	RUOFF MORTGAGE COMPANY
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Oct 23, 2017
Property Address	651 E WALNUT ST, NAPPANEE, IN 46550-2021
Document Number	0000002891
Map Reference	DR59 PG170
Instrument Date	Oct 02, 2017
Instrument	2017-22891
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 E WALNUT ST, NAPPANEE, IN 46550-2021

Mortgage

Document Number	0000002892
Date	Oct 23, 2017
Instrument	2017-22892

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2047

Tax Assessment & Valuation

Source: Elkhart County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Union Township
Municipality	Nappanee City
Unified School District	Wa-Nee Community Schools (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$158,800 (+10.66%) Land $23,100 Building $135,700	$158,800 (+10.66%) Land $23,100 Building $135,700
2024	$1,466.00 (+12.17%)	$143,500 (+6.61%) Land $23,100 Building $120,400	$143,500 (+6.61%) Land $23,100 Building $120,400
2023		$134,600 (+5.49%) Land $23,100 Building $111,500	$134,600 (+5.49%) Land $23,100 Building $111,500
2022	$1,307.00 Homeowner's exemption	$127,600 Land $23,100 Building $104,500	$127,600 Land $23,100 Building $104,500

Flood & Wildfire

651 E Walnut St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Elkhart County (18039C), updated August 22, 2024

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release

Historic District	Within the Nappaness Eastside Historic District listed 2003 · 138 contributing resources · NRIS 03001321

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

651 E Walnut St, Nappanee, IN 46550 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

February 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

May 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Historic Designation

Nearby Properties on E Walnut St

Nearby Streets

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