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

St. Joseph County property record for 812 E 4th St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,108 sqft · built 1904
Lot Size	0.118 acres (5,148 sqft)
Owner	Individual Name on File
Last Sale	$104,900 (Feb 2020)
Tax Bill	$1,372 (2024)
Deeds & Mortgages	Apr 2006 Line of Credit Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-178-039.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-178-039.000-023`
Alternative APN	`01610291192`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,108 sqft Living Area
Basement Area	364 sqft

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1970
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	5,148 sqft (0.118 acres)
Lot Dimensions	132 ft deep x 39 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610291192
Street Address	812 E 4TH ST
City	MISHAWAKA
State	IN
Zip	46544-2227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	39 FT W SIDE LOT 10 PARKS SUB
Legal Subdivision	PARKS SUB
Legal Lot Number	10
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	3
Census Block	3031
Census Tract	10300

Owner

812 E 4th St is owned and occupied by an individual who bought it in February 2020.

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

Owner of Record	Individual Name on File
Mailing Address	812 E 4TH ST, MISHAWAKA, IN 46544-2227
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 3, 2006	Deed of Trust, Mortgage · Line of Credit NATIONAL CITY BANK
Feb 20, 2020	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Jun 3, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2020 · Amount on File
Deed Sale	Feb 20, 2020 · Amount on File
Prior Sale	Jun 3, 2019
Deed Document Number	0002004643
Record Updated	Sep 20, 2026

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	812 E 4TH ST, MISHAWAKA, IN 46544-2227
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000611949
Date	Apr 3, 2006
Instrument	0611949

Lender

Name	NATIONAL CITY BANK
Type	Bank
Address	00000

Agreement

Type	Line of Credit
Amount	Amount on Record

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Feb 20, 2020
Property Address	812 E 4TH ST, MISHAWAKA, IN 46544-2227
Document Number	0002004643
Map Reference	PB 7 PG 76
Instrument Date	Feb 13, 2020
Instrument	2004643
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	812 E 4TH ST, MISHAWAKA, IN 46544-2227

Mortgage

Document Number	0002004644
Date	Feb 20, 2020
Instrument	2004644

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jun 3, 2019
Property Address	812 E 4TH ST, MISHAWAKA, IN 46544-2227
Document Number	0001912438
Map Reference	PB 7 PG 76
Instrument Date	May 30, 2019
Instrument	1912438
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	53192 CHELLE LN, GRANGER, IN 46530-8996
Investor	Possibly a Property Investor

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		$106,200 Land $20,800 Building $85,400	$106,200 Land $20,800 Building $85,400
2024	$1,372.00 (+8.63%)
2023	$1,263.00 (-0.55%)	$112,800 (-) Land $20,700 Building $92,100	$112,800 (-) Land $20,700 Building $92,100
2022	$1,270.00 Homeowner's exemption	$112,800 Land $20,700 Building $92,100	$112,800 Land $20,700 Building $92,100

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

Flood

FEMA maps place 812 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 812 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 505 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Fourway.

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