815 E Smith St, Warsaw, IN 46580 Property Records

Kosciusko County property record for 815 E Smith St, Warsaw, IN 46580

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,332 sqft · built 1875
Lot Size	0.206 acres (8,960 sqft)
Owner	2 Individual Names on Record
Last Sale	$174,230 (Dec 2025)
Tax Bill	$1,857 (2025)
Deeds & Mortgages	Jul 2005 Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`004-705000-70`

Property Details

APN / Parcel Number

Primary APN	`004-705000-70`
Alternative APNs	`43-11-08-200-028.000-032` `00000006789` `0470500070`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,332 sqft Living Area
1st Floor Area	2,332 sqft
Basement Area	1,044 sqft
Unfinished Basement	1,044 sqft

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1975
Construction Type	Wood
Roof Material	Asphalt
Lot Area	8,960 sqft (0.206 acres)
Lot Dimensions	140 ft deep x 64 ft wide
Garage Type	Basement
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00000006789
Street Address	815 E SMITH ST
City	WARSAW
State	IN
Zip	46580-4555
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	4-44-275 TR IN SE 8-32-6 .20A
Legal Range	6
Legal Township	32
Legal Section	8
Jurisdiction	KOSCIUSKO IN
Township / Civil Division	WAYNE
Census Block Group	1
Census Block	1039
Census Tract	961900

Owner

Source: Kosciusko County records, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	815 E SMITH ST, WARSAW, IN 46580-4555
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2005	Deed of Trust, Mortgage · Conventional Mortgage 1ST SOURCE BANK
Dec 29, 2025	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jun 5, 2009	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Apr 18, 2006	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2025 · Amount on Record
Deed Sale	Dec 29, 2025 · Amount on Record
Prior Sale	Jun 5, 2009 · Amount on Record
Deed Document Number	2025120938
Prior Transfer Date	Mar 21, 2006
Prior Transfer Doc	0000004752
Record Updated	Sep 20, 2026

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	815 E SMITH ST, WARSAW, IN 46580-4555
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200500009642
Date	Jul 8, 2005
Instrument	200500009642

Lender

Name	1ST SOURCE BANK
Type	Bank
Address	SOUTH BEND, IN 46634

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2035

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	Dec 29, 2025
Property Address	815 E SMITH ST, WARSAW, IN 46580-4555
Document Number	2025120938
Instrument Date	Dec 22, 2025
Instrument	2025120938
Transaction Type	Transfer
Record Updated	Jan 23, 2026
Title Company	CENTURION LAND TITLE INC

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants with Right of Survivorship
Address	815 E SMITH ST, WARSAW, IN 46580-4555

Mortgage

Document Number	2025120939
Date	Dec 29, 2025
Instrument	2025120939

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

June 2009: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	Jun 5, 2009
Property Address	815 E SMITH ST, WARSAW, IN 46580-4555
Document Number	2009060311
Instrument Date	Jun 4, 2009
Instrument	2009060311
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 E SMITH ST, WARSAW, IN 46580-4555

Mortgage

Document Number	2009060312
Date	Jun 5, 2009
Instrument	2009060312

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46825

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2039

April 2006: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	Apr 18, 2006
Property Address	815 E SMITH ST, WARSAW, IN 46580-4555
Document Number	200600004752
Instrument Date	Mar 21, 2006
Instrument	200600004752
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 E SMITH ST, WARSAW, IN 46580-4555

Tax Assessment & Valuation

Source: Kosciusko County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Kosciusko County
County Subdivision	Wayne Township
Municipality	Warsaw City
Unified School District	Warsaw Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,857.00 (-3.43%) Homeowner's exemption	$200,300 (+7.34%) Land $28,400 Building $171,900	$200,300 (+7.34%) Land $28,400 Building $171,900
2024	$1,923.00 (+1.64%) Homeowner's exemption	$186,600 (+10.68%) Land $21,400 Building $165,200	$186,600 (+10.68%) Land $21,400 Building $165,200
2023	$1,892.00 (+21.52%)	$168,600 (+12.03%) Land $21,400 Building $147,200	$168,600 (+12.03%) Land $21,400 Building $147,200
2022	$1,557.00	$150,500 Land $17,800 Building $132,700	$150,500 Land $17,800 Building $132,700

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 September 29, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Mar 1982 · 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	INDIANA AMERICAN WATER - WARSAW private · serves 13,835 people · EPA ID IN5243030
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	2 ppb (2022–2024) 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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Metronet.

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