831 E Smith St, Warsaw, IN 46580 Property Records

Kosciusko County property record for 831 E Smith St, Warsaw, IN 46580

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 792 sqft · built 1953
Lot Size	0.117 acres (5,100 sqft)
Owner	Individual Name on Record
Last Sale	$89,900 (Aug 2020)
Tax Bill	$628 (2025)
Deeds & Mortgages	May 2020 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-707027-50`

Property Details

APN / Parcel Number

Primary APN	`004-707027-50`
Alternative APNs	`43-11-08-200-006.000-032` `00000007422` `0470702750`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	792 sqft Living Area
1st Floor Area	792 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1990
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	5,100 sqft (0.117 acres)
Lot Dimensions	85 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00000007422
Street Address	831 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	4-44-279 TR IN SE SE 8-32-6 .12A
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	Individual Name on Record
Mailing Address	831 E SMITH ST, WARSAW, IN 46580-4555
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2020	Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA
Aug 31, 2020	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2020 · Amount on Record
Deed Sale	Aug 31, 2020 · Amount on Record
Prior Sale	Sep 25, 2014
Deed Document Number	202081548
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	831 E SMITH ST, WARSAW, IN 46580-4555
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020050520
Date	May 14, 2020
Instrument	2020050520

Lender

Name	PNC BANK NA
Type	Bank
Address	BRECKSVILLE, OH 44141

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	216 Months
Due	May 4, 2038

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	Aug 31, 2020
Property Address	831 E SMITH ST, WARSAW, IN 46580-4555
Document Number	2020081548
Instrument Date	Aug 27, 2020
Instrument	2020081548
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
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	831 E SMITH ST, WARSAW, IN 46580-4555

Mortgage

Document Number	2020081549
Date	Aug 31, 2020
Instrument	2020081549

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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	$628.00 (+2.45%) Homeowner's exemption	$95,300 (+30.55%) Land $21,200 Building $74,100	$95,300 (+30.55%) Land $21,200 Building $74,100
2024	$613.00 (+34.43%)
2023	$456.00 (+27.02%)	$73,000 (+12.65%) Land $16,000 Building $57,000	$73,000 (+12.65%) Land $16,000 Building $57,000
2022	$359.00	$64,800 Land $13,300 Building $51,500	$64,800 Land $13,300 Building $51,500

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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