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

St. Joseph County property record for 823 E 4th St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,752 sqft · built 1891
Lot Size	0.087 acres (3,800 sqft)
Owner	Individual Name on File
Last Sale	$178,000 (May 2025)
Tax Bill	$2,988 (2024)
Deeds & Mortgages	Jul 2025 Mortgage Jul 2025 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-180-014.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-180-014.000-023`
Alternative APN	`01610291206`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,752 sqft Living Area
Basement Area	876 sqft

Exterior

Year Built	Built 1891
Effective Year Built	Effective 1956
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	3,800 sqft (0.087 acres)
Lot Dimensions	95 ft deep x 40 ft wide
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610291206
Street Address	823 E 4TH ST
City	MISHAWAKA
State	IN
Zip	46544-2226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	40.1 FT WEST SIDE LOT 13 PARKS SUB
Legal Subdivision	PARKS SUB
Legal Lot Number	13
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	4
Census Block	4014
Census Tract	10300

Owner

823 E 4th St is owned and occupied by an individual who bought it in May 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	823 E 4TH ST, MISHAWAKA, IN 46544-2226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage IHCDA
Jul 15, 2025	Deed of Trust, Mortgage · Conventional Mortgage HALLMARK HOME MORTGAGE LLC
Apr 27, 2007	Deed of Trust, Mortgage · ARM BNC MORTGAGE INC
May 14, 2025	Warranty Deed, Transfer · Conventional Mortgage HALLMARK HOME MORTGAGE LLC
May 14, 2025	Warranty Deed, Transfer · Conventional Mortgage HALLMARK HOME MORTGAGE LLC
Oct 12, 2020	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Feb 2, 2009	Warranty Deed, Transfer METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE IN LLC
Feb 2, 2009	Sheriff's Deed, Foreclosure METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE IN LLC
Feb 7, 2007	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2025 · Amount on File
Deed Sale	May 14, 2025 · Amount on File
Prior Sale	Oct 12, 2020 · Amount on File
Deed Document Number	2511183
Record Updated	Sep 20, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	823 E 4TH ST, MISHAWAKA, IN 46544-2226
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	METROPLITAN TITLE, METROPOLITAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002516961
Date	Jul 15, 2025
Instrument	2516961

Lender

Name	IHCDA
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	823 E 4TH ST, MISHAWAKA, IN 46544-2226
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	METROPLITAN TITLE, METROPOLITAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002516960
Date	Jul 15, 2025
Instrument	2516960

Lender

Name	HALLMARK HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2055

April 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	823 E 4TH ST, MISHAWAKA, IN 46544-2226
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	ANCHOR LAND TITLE INC, ARCHER LAND TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000716291
Date	Apr 27, 2007
Instrument	0716291

Lender

Name	BNC MORTGAGE INC
Type	Subprime Lender
Address	IRVINE, CA 92623

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2037
Prepayment Penalty	00 Months

Interest

Rate Type	Adjustable Rate
Rate	11.1%
Type Change Date	May 1, 2009
Change Frequency	6 Months
Min Rate At Change	11.1%
Max Rate At Change	14.1%
Index	6-Month LIBOR
Max Rate	18.1%

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	May 14, 2025
Property Address	823 E 4TH ST, MISHAWAKA, IN 46544-2226
Document Number	0002511183
Map Reference	PB 7 PG 76
Instrument Date	May 5, 2025
Instrument	2511183
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	METROPOLITAN 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	823 E 4TH ST, MISHAWAKA, IN 46544-2226

Mortgage

Document Number	0002511184
Date	May 14, 2025
Instrument	2511184

Lender

Name	HALLMARK HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

Mortgage

Document Number	0002511185
Date	May 14, 2025
Instrument	2511185

Lender

Name	IHCDA
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	May 14, 2025
Property Address	823 E 4TH ST, MISHAWAKA, IN 46544-2226
Document Number	0002511183
Map Reference	PB 7 PG 76
Instrument Date	May 5, 2025
Instrument	2511183
Transaction Type	Transfer
Record Updated	Oct 10, 2025
Title Company	METROPLITAN TITLE, METROPOLITAN 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	823 E 4TH ST, MISHAWAKA, IN 46544-2226

Mortgage

Document Number	0002511184
Date	May 14, 2025
Instrument	2511184

Lender

Name	HALLMARK HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Oct 12, 2020
Property Address	823 E 4TH ST, MISHAWAKA, IN 46544-2226
Document Number	0002031069
Map Reference	PB 7 PG 76
Instrument Date	Sep 22, 2020
Instrument	2031069
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18340 ROOSEVELT RD, SOUTH BEND, IN 46614-9485

February 2009: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Feb 2, 2009
Property Address	823 E 4TH ST, MISHAWAKA, IN 46544-2226
Document Number	0000902881
Map Reference	MB7 PG76
Instrument Date	Jan 22, 2009
Instrument	0902881
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE IN LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 E 4TH ST, MISHAWAKA, IN 46544-2226

February 2009: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Feb 2, 2009
Property Address	823 E 4TH ST, MISHAWAKA, IN 46544-2226
Document Number	0000902880
Map Reference	MB7 PG76
Instrument Date	Oct 30, 2008
Instrument	0902880
Transaction Type	Foreclosure
Record Updated	Jun 23, 2026
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE IN LLC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10790 RANCHO BERNARDO RD, SAN DIEGO, CA 92127-5705
Mail Care Of	CHASE HOME FINANCE LLC

February 2007: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH IN
Recording Date	Feb 7, 2007
Property Address	823 E 4TH ST, MISHAWAKA, IN 46544-2226
Document Number	0000705187
Map Reference	MB7 PG76
Instrument	0705187
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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		$107,000 (-16.14%) Land $18,500 Building $88,500	$107,000 (-16.14%) Land $18,500 Building $88,500
2024	$2,988.00 (+11.99%)	$127,600 (+12.52%) Land $18,500 Building $109,100	$127,600 (+12.52%) Land $18,500 Building $109,100
2023	$2,668.00 (+8.32%)	$113,400 (+8.31%) Land $18,500 Building $94,900	$113,400 (+8.31%) Land $18,500 Building $94,900
2022	$2,463.00	$104,700 Land $18,500 Building $86,200	$104,700 Land $18,500 Building $86,200

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

Flood

FEMA maps place 823 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 823 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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