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

St. Joseph County property record for 731 E 3rd St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,566 sqft · built 1921
Lot Size	0.197 acres (8,624 sqft)
Owner	Individual Name on Record
Last Sale	$85,009 (Aug 2025)
Tax Bill	$1,818 (2024)
Deeds & Mortgages	Aug 2025 Transfer Aug 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-178-008.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-178-008.000-023`
Alternative APN	`01610271097`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,566 sqft Living Area
Basement Area	728 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1958
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	8,624 sqft (0.197 acres)
Lot Dimensions	154 ft deep x 56 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610271097
Street Address	731 E 3RD ST
City	MISHAWAKA
State	IN
Zip	46544-2238
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 EX 3'W SIDE POPPENDICKS 2ND ADD
Legal Subdivision	POPPENDICKS 2ND ADD
Legal Lot Number	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	731 E 3RD ST, MISHAWAKA, IN 46544-2238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2025	Transfer on Death Deed, Transfer
Aug 11, 2025	Warranty Deed, Transfer
Aug 26, 2005	Warranty Deed, Transfer · Conventional Mortgage 1ST SOURCE BANK
May 12, 2005	Intrafamily Transfer, Transfer · ARM AMERITRUST MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2025 · Amount on Record
Deed Sale	Aug 11, 2025 · Amount on Record
Prior Sale	Aug 26, 2005
Deed Document Number	2519695
Record Updated	Sep 20, 2026

August 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Aug 12, 2025
Property Address	731 E 3RD ST, MISHAWAKA, IN 46544-2238
Document Number	0002520011
Instrument Date	Aug 12, 2025
Instrument	2520011
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	731 E 3RD ST, MISHAWAKA, IN 46544-2238

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 E 3RD ST, MISHAWAKA, IN 46544-2238

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Aug 11, 2025
Property Address	731 E 3RD ST, MISHAWAKA, IN 46544-2238
Document Number	0002519695
Instrument Date	Jul 30, 2025
Instrument	2519695
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 E 3RD ST, MISHAWAKA, IN 46544-2238

August 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Aug 26, 2005
Property Address	731 E 3RD ST, MISHAWAKA, IN 46544-2238
Document Number	0000539250
Instrument Date	Aug 22, 2005
Instrument	0539250
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 E 3RD ST, MISHAWAKA, IN 46544-2238

Mortgage

Document Number	0000539254
Date	Aug 26, 2005
Instrument	0539254

Lender

Name	1ST SOURCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2035

May 2005: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH IN
Recording Date	May 12, 2005
Property Address	731 E 3RD ST, MISHAWAKA, IN 46544-2238
Document Number	0000520375
Instrument Date	Apr 4, 2005
Instrument	0520375
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 E 3RD ST, MISHAWAKA, IN 46544-2238

Mortgage

Document Number	0000520376
Date	May 12, 2005
Instrument	0520376

Lender

Name	AMERITRUST MORTGAGE CO
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	May 1, 2007
Change Frequency	6 Months
Min Rate At Change	7.5%
Max Rate At Change	10.5%
Index	6-Month LIBOR
Max Rate	13.5%

Mortgage

Document Number	0000520377
Date	May 12, 2005
Instrument	0520377

Lender

Name	AMERITRUST MORTGAGE CO
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2025

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		$137,400 (-12.71%) Land $31,400 Building $106,000	$137,400 (-12.71%) Land $31,400 Building $106,000
2024	$1,818.00 (+8.73%)	$157,400 (+8.33%) Land $31,400 Building $126,000	$157,400 (+8.33%) Land $31,400 Building $126,000
2023	$1,672.00 (+1.89%)	$145,300 (+1.11%) Land $31,400 Building $113,900	$145,300 (+1.11%) Land $31,400 Building $113,900
2022	$1,641.00 Homeowner's exemption	$143,700 Land $31,400 Building $112,300	$143,700 Land $31,400 Building $112,300

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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