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

St. Joseph County property record for 815 E 4th St, Mishawaka, IN 46544

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,365 sqft · built 1903
Lot Size	0.103 acres (4,488 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Jun 2011)
Tax Bill	$909 (2024)
Deeds & Mortgages	Jun 2011 Transfer Jun 2011 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-180-012.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-180-012.000-023`
Alternative APN	`01610291204`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,365 sqft Living Area
Basement Area	560 sqft

Exterior

Year Built	Built 1903
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	4,488 sqft (0.103 acres)
Lot Dimensions	102 ft deep x 44 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610291204
Street Address	815 E 4TH ST
City	MISHAWAKA
State	IN
Zip	46544-2226
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	22 FT E SIDE LOT 15 & 22 FT W SIDE LOT 14 PARKS SUB
Legal Subdivision	PARKS SUB
Legal Lot Number	15,22 22
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	4
Census Block	4014
Census Tract	10300

Owner

815 E 4th St, a duplex, is owned by an individual who bought it in June 2011.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	115 S WEST ST, MISHAWAKA, IN 46544-1931
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
Jun 27, 2011	Intrafamily Transfer, Transfer LAWYERS TITLE
Jun 27, 2011	Warranty Deed, Transfer · ARM MUTUAL BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2011 · Amount on File
Deed Sale	Jun 27, 2011 · Amount on File
Prior Sale	Jun 27, 2011 · Amount on File
Deed Document Number	0001116396
Record Updated	Sep 20, 2026

June 2011: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH IN
Recording Date	Jun 27, 2011
Property Address	815 E 4TH ST, MISHAWAKA, IN 46544-2226
Document Number	0001116398
Instrument Date	Jun 22, 2011
Instrument	1116398
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 S WEST ST, MISHAWAKA, IN 46544-1931

June 2011: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jun 27, 2011
Property Address	815 E 4TH ST, MISHAWAKA, IN 46544-2226
Document Number	0001116396
Instrument Date	Jun 22, 2011
Instrument	1116396
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	115 S WEST ST, MISHAWAKA, IN 46544-1931

Mortgage

Document Number	0001116397
Date	Jun 27, 2011
Instrument	1116397

Lender

Name	MUTUAL BANK FSB
Type	Bank
Address	MISHAWAKA, IN 46545

Agreement

Type	ARM
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Jul 1, 2018
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	1-Year T-Bill
Max Rate	11.6%

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		$94,500 Land $20,800 Building $73,700	$94,500 Land $20,800 Building $73,700
2024	$909.00 (-0.11%)
2023	$910.00 (-45.96%)	$38,800 (-45.96%) Land $6,800 Building $32,000	$38,800 (-45.96%) Land $6,800 Building $32,000
2022	$1,684.00	$71,800 Land $20,800 Building $51,000	$71,800 Land $20,800 Building $51,000

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

Flood

FEMA maps place 815 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 815 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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