828 E Wayne St, South Bend, IN 46617 Property Records

St. Joseph County property record for 828 E Wayne St, South Bend, IN 46617

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,390 sqft · built 1890
Lot Size	0.104 acres (4,510 sqft)
Owner	Individual Name on Record
Last Sale	$86,860 (Aug 2020)
Tax Bill	$2,437 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`71-08-12-282-008.000-026`

Property Details

APN / Parcel Number

Primary APN	`71-08-12-282-008.000-026`
Alternative APN	`01860040102`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,390 sqft Living Area
Gross Area	1,814 sqft
1st Floor Area	1,407 sqft
Basement Area	196 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	4,510 sqft (0.104 acres)
Lot Dimensions	82 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	828 E WAYNE ST
City	SOUTH BEND
State	IN
Zip	46617-3022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	55E END LOT 342 & 16X 55E END LOT 343 1ST ADD COTTRELLS
Legal Subdivision	1ST ADD COTTRELLS
Legal Lot Number	342,3
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PORTAGE
Census Block Group	2
Census Block	2059
Census Tract	900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Howard Park Historic District listed 1999 · 54 contributing resources · NRIS 99000169

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: St. Joseph 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	828 E WAYNE ST, SOUTH BEND, IN 46617-3022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE CO INC
Dec 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE CO INC
Aug 18, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2020 · Amount on Record
Deed Sale	Aug 18, 2020 · Amount on Record
Deed Document Number	202024030
Prior Transfer Date	Aug 12, 2020
Prior Transfer Doc	0000024030
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	828 E WAYNE ST, SOUTH BEND, IN 46617-3022
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002024031
Date	Aug 18, 2020
Instrument	2024031

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	828 E WAYNE ST, SOUTH BEND, IN 46617-3022
Transaction Type	Mortgage
Record Updated	Feb 2, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002146321
Date	Dec 30, 2021
Instrument	2146321

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST JOSEPH IN
Recording Date	Aug 18, 2020
Property Address	828 E WAYNE ST, SOUTH BEND, IN 46617-3022
Document Number	2024030
Instrument Date	Jul 29, 2020
Instrument	2024030
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 E WAYNE ST, SOUTH BEND, IN 46617-3022

Mortgage

Document Number	2024031
Date	Aug 18, 2020
Instrument	2024031

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of March 11, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	St. Joseph County
County Subdivision	Portage Township
Municipality	South Bend City
Unified School District	South Bend Community School Corporation (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,437.00 (+17.39%)	$216,900 (+32.74%) Land $15,600 Building $201,300	$216,900 (+32.74%) Land $15,600 Building $201,300
2024	$2,076.00 (+6.9%)
2023	$1,942.00 (+0.67%)	$163,400 (-) Land $15,600 Building $147,800	$163,400 (-) Land $15,600 Building $147,800
2022	$1,929.00 Homeowner's exemption	$163,400 Land $15,600 Building $147,800	$163,400 Land $15,600 Building $147,800

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 December 15, 2015 · 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	1 in force

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	SOUTH BEND WATER WORKS serves 115,000 people · EPA ID IN5271014
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	5 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	1 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 432 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

May also be available: Metronet.

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