734 E 4th St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 734 E 4th St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,176 sqft · built 1900
Lot Size	0.109 acres (4,752 sqft)
Owner	Individual Name on File
Tax Bill	$1,308 (2024)
Deeds & Mortgages	Apr 2015 Mortgage May 2006 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-178-033.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-178-033.000-023`
Alternative APN	`01610281147`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,176 sqft Living Area
Basement Area	672 sqft

Exterior

Year Built	Built 1900
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	4,752 sqft (0.109 acres)
Lot Dimensions	132 ft deep x 36 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610281147
Street Address	734 E 4TH ST
City	MISHAWAKA
State	IN
Zip	46544-2229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	31.5' N SIDE 4TH ST W SIDE LOT 18 2ND ST FARM LOT 15 37 3E & 4' E SIDE LOT 34 POPPENDICK'S 2ND
Legal Range	03E
Legal Township	37
Legal Section	15
Legal Lot Number	18,15
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	3
Census Block	3031
Census Tract	10300

Owner

734 E 4th St is owned and occupied by an individual who acquired it in April 2015.

Source: St. Joseph County records, as of March 6, 2026

Owner of Record	Individual Name on File
Mailing Address	734 E 4TH ST, MISHAWAKA, IN 46544-2229
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
Apr 24, 2015	Intrafamily Transfer, Transfer · Conventional Mortgage PNC BANK
May 4, 2006	Warranty Deed, Transfer · ARM FIRST FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2006
Deed Sale	May 4, 2006
Prior Sale	May 4, 2006
Deed Document Number	0617177
Last Transfer Date	Apr 24, 2015
Transfer Doc	0001509715
Record Updated	Sep 20, 2026

April 2015: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH IN
Recording Date	Apr 24, 2015
Property Address	734 E 4TH ST, MISHAWAKA, IN 46544-2229
Document Number	0001509715
Instrument Date	Apr 13, 2015
Instrument	1509715
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
Investor	Possibly a Property Investor

Mortgage

Document Number	0001509716
Date	Apr 24, 2015
Instrument	1509716

Lender

Name	PNC BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

May 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	May 4, 2006
Property Address	734 E 4TH ST, MISHAWAKA, IN 46544-2229
Document Number	0000617177
Instrument Date	Apr 28, 2006
Instrument	0617177
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
Relationship	Joint Tenants with Right of Survivorship
Address	734 E 4TH ST, ELKHART, IN 46517
Investor	Possibly a Property Investor

Mortgage

Document Number	0000617178
Date	May 4, 2006
Instrument	0617178

Lender

Name	FIRST FSB
Type	Bank
Address	ROCHESTER, IN 46975

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	May 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	May 1, 2011
Change Frequency	Annually
Min Rate At Change	5.12%
Max Rate At Change	9.12%
Index	1-Year CMT
Margin	3
Max Rate	13.1%

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		$99,900 Land $19,200 Building $80,700	$99,900 Land $19,200 Building $80,700
2024	$1,308.00 (+11.6%)
2023	$1,172.00 (-0.51%)	$105,300 (-) Land $19,100 Building $86,200	$105,300 (-) Land $19,100 Building $86,200
2022	$1,178.00 Homeowner's exemption	$105,300 Land $19,100 Building $86,200	$105,300 Land $19,100 Building $86,200

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

Flood

FEMA maps place 734 E 4th 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 734 E 4th 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 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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