802 E Emerald St, Elkhart, IN 46514 Property Records

Elkhart County property record for 802 E Emerald St, Elkhart, IN 46514

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 546 sqft · built 1935
Lot Size	0.116 acres (5,053 sqft)
Owner	Individual Name on Record
Last Sale	$73,430 (Jun 2026)
Tax Bill	$714 (2024)
Deeds & Mortgages	Jun 2026 Sale May 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-02-32-433-004.000-027`

Property Details

APN / Parcel Number

Primary APN	`20-02-32-433-004.000-027`
Alternative APN	`0232433004027`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	546 sqft Living Area
Gross Area	1,476 sqft
1st Floor Area	546 sqft
Basement Area	546 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,053 sqft (0.116 acres)
Lot Dimensions	87 ft deep x 58 ft wide
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	171 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	802 E EMERALD ST
City	ELKHART
State	IN
Zip	46514-3339
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	W H CALDWELLS W1/2 LOT 22 & 23
Legal Subdivision	W H CALDWELLS
Legal Block	433
Legal Lot Number	22,23
Jurisdiction	ELKHART IN
Township / Civil Division	OSOLO
Census Block Group	2
Census Block	2027
Census Tract	1601

Owner

Source: Elkhart County records, as of July 16, 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	1646 GRANT ST, ELKHART, IN 46514-3754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
May 26, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 9, 2026	Personal Representative Deed, Transfer NONE LISTED ON DOCUMENT
Oct 27, 2022	Warranty Deed, Transfer · Conventional Mortgage LAKE CITY BANK
Jul 19, 2017	Deed with Mortgage, Transfer DAVID A CARTER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2026 · Amount on Record
Deed Sale	Jun 29, 2026 · Amount on Record
Prior Sale	May 26, 2026 · Amount on Record
Deed Document Number	202611566
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Jun 29, 2026
Property Address	802 E EMERALD ST, ELKHART, IN 46514-3339
Document Number	0000011566
Instrument Date	Jun 29, 2026
Instrument	202611566
Transaction Type	Transfer
Record Updated	Jul 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1646 GRANT ST, ELKHART, IN 46514-3754

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	May 26, 2026
Property Address	802 E EMERALD ST, ELKHART, IN 46514-3339
Document Number	0000009075
Instrument Date	May 21, 2026
Instrument	20269075
Transaction Type	Transfer
Record Updated	Jun 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	58192 WINDSONG DR, ELKHART, IN 46517-8640
Investor	Possibly a Property Investor

April 2026: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	ELKHART IN
Recording Date	Apr 9, 2026
Property Address	802 E EMERALD ST, ELKHART, IN 46514-3339
Document Number	0000006128
Instrument Date	Mar 10, 2026
Instrument	20266128
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Oct 27, 2022
Property Address	802 E EMERALD ST, ELKHART, IN 46514-3339
Document Number	0000002976
Map Reference	MB 2 PG 17
Instrument Date	Oct 19, 2022
Instrument	2022-22976
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	MERIDIAN TITLE, MERIDIAN TITLE CORP

Transaction

Amount	Amount Recorded
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	802 E EMERALD ST, ELKHART, IN 46514-3339

Mortgage

Document Number	0000002977
Date	Oct 27, 2022
Instrument	2022-22977

Lender

Name	LAKE CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.5%
Index	1-Year CMT
Max Rate	9.5%

July 2017: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	ELKHART IN
Recording Date	Jul 19, 2017
Property Address	802 E EMERALD ST, ELKHART, IN 46514-3339
Instrument Date	Jul 17, 2017
Instrument	15034
Transaction Type	Transfer
Record Updated	Jul 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	802 E EMERALD ST ELKHART IN 465143339, ELKHART, IN 46514-3339

Mortgage

Document Number	0000015034
Date	Jul 19, 2017
Instrument	15034

Lender

Name	DAVID A CARTER
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jul 18, 2022

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Osolo Township
Municipality	Elkhart City
Unified School District	Elkhart Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$90,000 (+6.26%) Land $10,600 Building $79,400	$90,000 (+6.26%) Land $10,600 Building $79,400
2024	$714.00 (+46.91%)	$84,700 (+8.59%) Land $10,600 Building $74,100	$84,700 (+8.59%) Land $10,600 Building $74,100
2023		$78,000 (+11.11%) Land $10,600 Building $67,400	$78,000 (+11.11%) Land $10,600 Building $67,400
2022	$486.00	$70,200 Land $10,600 Building $59,600	$70,200 Land $10,600 Building $59,600

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 August 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1981)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1981 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	ELKHART PUBLIC WORKS AND UTILITIES serves 46,455 people · EPA ID IN5220008
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	2 ppb (2023–2025) 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 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Surf Internet.

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