803 E Emerald St, Elkhart, IN 46514 Property Records

Elkhart County property record for 803 E Emerald St, Elkhart, IN 46514

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,490 sqft · built 1900
Lot Size	0.192 acres (8,364 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Sep 2021)
Tax Bill	$1,298 (2024)
Deeds & Mortgages	Sep 2021 Second Mortgage Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-02-32-437-026.000-027`

Property Details

APN / Parcel Number

Primary APN	`20-02-32-437-026.000-027`
Alternative APN	`0232437026027`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,490 sqft Living Area
Gross Area	2,115 sqft
1st Floor Area	1,490 sqft
Upper Floors Area	625 sqft
Basement Area	625 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1960
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,364 sqft (0.192 acres)
Lot Dimensions	97 ft deep x 86 ft wide
View / Lot	Extra Front
Patio Area	195 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	803 E EMERALD ST
City	ELKHART
State	IN
Zip	46514-3340
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	PT E1/2 SE1/4 86X97.6FT SEC 32 .193A
Legal Block	437
Jurisdiction	ELKHART IN
Township / Civil Division	OSOLO
Census Block Group	2
Census Block	2028
Census Tract	1601

Owner

Source: Elkhart County records, as of July 21, 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	803 E EMERALD ST, ELKHART, IN 46514-3340
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage INDIANA HOUSING & COMMUNITY DEVELOPMENT
Sep 30, 2021	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Aug 28, 2019	Grant Deed, Transfer METROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE CO
Jan 3, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2021 · Amount on Record
Deed Sale	Sep 30, 2021 · Amount on Record
Prior Sale	Jan 3, 2019 · Amount on Record
Deed Document Number	202126361
Prior Transfer Date	Apr 4, 2006
Prior Transfer Doc	0200609423
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	803 E EMERALD ST, ELKHART, IN 46514-3340
Transaction Type	Mortgage
Record Updated	Nov 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006363
Date	Sep 30, 2021
Instrument	2021-26363

Lender

Name	INDIANA HOUSING & COMMUNITY DEVELOPMENT
Type	Government Agency
Address	ELKHART, IN 46514

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Sep 30, 2021
Property Address	803 E EMERALD ST, ELKHART, IN 46514-3340
Document Number	0000006361
Instrument Date	Sep 29, 2021
Instrument	2021-26361
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	MERIDIAN TITLE, MERIDIAN TITLE CORP

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	803 E EMERALD ST, ELKHART, IN 46514-3340

Mortgage

Document Number	0000006362
Date	Sep 30, 2021
Instrument	2021-26362

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ELKHART IN
Recording Date	Aug 28, 2019
Property Address	803 E EMERALD ST, ELKHART, IN 46514-3340
Document Number	0000017612
Instrument Date	Aug 23, 2019
Instrument	17612
Transaction Type	Transfer
Record Updated	Dec 8, 2020
Title Company	METROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE CO

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
Relationship	Company
Address	68740 EAST ST EDWARDSBURG MI 491129602, EDWARDSBURG, MI 49112-9602

January 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ELKHART IN
Recording Date	Jan 3, 2019
Property Address	803 E EMERALD ST, ELKHART, IN 46514-3340
Document Number	0000000214
Instrument Date	Dec 19, 2018
Instrument	214
Transaction Type	Foreclosure
Record Updated	Jan 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	110 S MAIN ST SOUTH BEND IN 466011805, SOUTH BEND, IN 46601-1805

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		$136,000 (+6.92%) Land $14,200 Building $121,800	$136,000 (+6.92%) Land $14,200 Building $121,800
2024	$1,298.00 (+12.58%)	$127,200 (+2.42%) Land $14,200 Building $113,000	$127,200 (+2.42%) Land $14,200 Building $113,000
2023		$124,200 (+10.7%) Land $14,200 Building $110,000	$124,200 (+10.7%) Land $14,200 Building $110,000
2022	$1,153.00	$112,200 Land $14,200 Building $98,000	$112,200 Land $14,200 Building $98,000

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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