723 E 3rd St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 723 E 3rd St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,630 sqft · built 1890
Lot Size	0.224 acres (9,796 sqft)
Owner	Individual Name on Record
Tax Bill	$1,620 (2024)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2005 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-178-007.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-178-007.000-023`
Alternative APN	`01610271096`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,630 sqft Living Area
Basement Area	480 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1950
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	9,796 sqft (0.224 acres)
Lot Dimensions	158 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	350 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610271096
Street Address	723 E 3RD ST
City	MISHAWAKA
State	IN
Zip	46544-2238
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24 & 3'W SIDE LOT 23 POPPENDICKS 2ND ADD
Legal Subdivision	POPPENDICKS 2ND ADD
Legal Lot Number	24,23
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	3
Census Block	3028
Census Tract	10300

Owner

Source: St. Joseph County records, as of March 6, 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 Record
Mailing Address	5302 STONE AVE, PORTAGE, IN 46368-4128
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Nov 28, 2005	Deed of Trust, Mortgage · ARM ARGENT MORTGAGE CO LLC
May 4, 2005	Deed of Trust, Mortgage CITIFINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2004
Deed Sale	Nov 10, 2004
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	723 E 3RD ST, MISHAWAKA, IN 46544-2238
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002600213
Date	Jan 6, 2026
Instrument	2600213

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 1, 2050

November 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	723 E 3RD ST, MISHAWAKA, IN 46544-2238
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	TITLE EXPERTS INC, TITLE EXPRESS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000554471
Date	Nov 28, 2005
Instrument	0554471

Lender

Name	ARGENT MORTGAGE CO LLC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	8.35%
Type Change Date	Dec 1, 2007
Change Frequency	6 Months
Min Rate At Change	8.35%
Max Rate At Change	10.3%
Index	6-Month LIBOR
Margin	6
Max Rate	14.3%

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	723 E 3RD ST, MISHAWAKA, IN 46544-2238
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000519010
Date	May 4, 2005
Instrument	0519010

Lender

Name	CITIFINANCIAL SERVICES INC
Type	Subprime Lender
Address	MISHAWAKA, IN 46545

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 10, 2035

Tax Assessment & Valuation

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

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		$122,000 (-5.65%) Land $35,100 Building $86,900	$122,000 (-5.65%) Land $35,100 Building $86,900
2024	$1,620.00 (+10.81%)
2023	$1,462.00 (-0.68%)	$129,300 (-) Land $35,100 Building $94,200	$129,300 (-) Land $35,100 Building $94,200
2022	$1,472.00 Homeowner's exemption	$129,300 Land $35,100 Building $94,200	$129,300 Land $35,100 Building $94,200

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

Flood

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

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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