709 E 7th St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 709 E 7th St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,196 sqft · built 1969
Lot Size	0.127 acres (5,535 sqft)
Owner	Individual Name on File
Tax Bill	$2,252 (2025)
Deeds & Mortgages	Jul 2026 Sale Oct 2009 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-330-003.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-330-003.000-023`
Alternative APN	`01611285003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,535 sqft (0.127 acres)
Lot Dimensions	123 ft deep x 45 ft wide
View / Lot	Alley
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	709 E 7TH ST
City	MISHAWAKA
State	IN
Zip	46544-2323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 76 STRONGS 2ND ADD
Legal Subdivision	STRONGS 2ND ADD
Legal Lot Number	76
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	4
Census Block	4022
Census Tract	10300

Owner

709 E 7th St is owned and occupied by an individual who acquired it in July 2026.

Source: St. Joseph County records, as of August 11, 2026

Owner of Record	Individual Name on File
Mailing Address	101 LAKERIDGE LN, SAN RAMON, CA 94582-4820
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
Jul 23, 2026	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN
Oct 14, 2009	Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAPITAL LLC
Jan 19, 2022	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2026
Deed Sale	Jul 23, 2026
Prior Sale	Jan 19, 2022 · Amount on File
Deed Document Number	202619290
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jul 23, 2026
Property Address	709 E 7TH ST, MISHAWAKA, IN 46544-2323
Document Number	0000019290
Instrument Date	Jul 14, 2026
Instrument	202619290
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 LAKERIDGE LN, SAN RAMON, CA 94582-4820
Investor	Possibly a Property Investor

October 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	709 E 7TH ST, MISHAWAKA, IN 46544-2323
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000934266
Date	Oct 14, 2009
Instrument	0934266

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Non-Lending Institution
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2039

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jan 19, 2022
Property Address	709 E 7TH ST, MISHAWAKA, IN 46544-2323
Document Number	0002201799
Map Reference	PB 8 PG 130
Instrument Date	Jan 14, 2022
Instrument	2201799
Transaction Type	Transfer
Record Updated	Jun 23, 2026

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	779 N SEQUOIA LN, AZUSA, CA 91702-2623

Mortgage

Document Number	0002201800
Date	Jan 19, 2022
Instrument	2201800

Lender

Name	RUOFF MORTGAGE CO INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 709 E 7th St was $2,252 with a homeowner's exemption, down 11% 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	$2,252.00 (-10.99%)	$97,500 Land $23,200 Building $74,300	$97,500 Land $23,200 Building $74,300
2024	$2,530.00 (+5.9%)
2023	$2,389.00 (-18.24%)	$101,800 (-18.3%) Land $23,100 Building $78,700	$101,800 (-18.3%) Land $23,100 Building $78,700
2022	$2,922.00 Homeowner's exemption	$124,600 Land $23,100 Building $101,500	$124,600 Land $23,100 Building $101,500

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

Flood

FEMA maps place 709 E 7th 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 709 E 7th 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 395 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

May also be available: Fourway, Mercury Fiber, Verizon.

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