838 E 5th St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 838 E 5th St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 912 sqft · built 1919
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Jun 2024)
Tax Bill	$859 (2025)
Deeds & Mortgages	Jun 2012 Mortgage Jun 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-327-014.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-327-014.000-023`
Alternative APN	`01611194690`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
Gross Area	1,824 sqft
1st Floor Area	1,824 sqft
Basement Area	912 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	838 E 5TH ST
City	MISHAWAKA
State	IN
Zip	46544-2223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 48 WARDS 2ND
Legal Subdivision	WARDS 2ND
Legal Lot Number	48
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	4
Census Block	4013
Census Tract	10300

Owner

838 E 5th St is owned and occupied by an individual who bought it in June 2024.

Source: St. Joseph County records, as of July 21, 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	838 E 5TH ST, MISHAWAKA, IN 46544-2223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2012	Deed of Trust, Mortgage SOUTH BEND FIREFIGHTERS FEDERAL CREDIT U
Jun 6, 2024	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC
Jun 30, 2016	Warranty Deed, Transfer · FHA Mortgage FIRST SOURCE BANK
Jun 29, 2005	Trustee's Deed, Foreclosure · ARM MFB FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2024 · Amount on File
Deed Sale	Jun 6, 2024 · Amount on File
Prior Sale	Jun 30, 2016 · Amount on File
Deed Document Number	202412462
Record Updated	Sep 20, 2026

June 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	838 E 5TH ST, MISHAWAKA, IN 46544-2223
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001216988
Date	Jun 6, 2012
Instrument	1216988

Lender

Name	SOUTH BEND FIREFIGHTERS FEDERAL CREDIT U
Address	SOUTH BEND, IN 46601

Agreement

Amount	Amount on Record
Term	117 Months
Due	Mar 4, 2022

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jun 6, 2024
Property Address	838 E 5TH ST, MISHAWAKA, IN 46544-2223
Document Number	0002412462
Map Reference	PB 8 PG 67
Instrument Date	May 24, 2024
Instrument	2412462
Transaction Type	Transfer
Record Updated	Jun 23, 2026
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
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 E 5TH ST, MISHAWAKA, IN 46544-2223

Mortgage

Document Number	0002412463
Date	Jun 6, 2024
Instrument	2412463

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2054

June 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jun 30, 2016
Property Address	838 E 5TH ST, MISHAWAKA, IN 46544-2223
Document Number	0001616680
Map Reference	PB 8 PG 67
Instrument Date	Jun 28, 2016
Instrument	1616680
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 E 5TH ST, MISHAWAKA, IN 46544-2223

Mortgage

Document Number	0001616681
Date	Jun 30, 2016
Instrument	1616681

Lender

Name	FIRST SOURCE BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

June 2005: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jun 29, 2005
Property Address	838 E 5TH ST, MISHAWAKA, IN 46544-2223
Document Number	0000528583
Instrument Date	Jun 21, 2005
Instrument	0528583
Transaction Type	Foreclosure
Record Updated	Jun 23, 2026
Title Company	MERIDIAN TITLE, MERIDIAN TITLE CORP

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000528584
Date	Jun 29, 2005
Instrument	0528584

Lender

Name	MFB FINANCIAL

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Jul 1, 2008
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	9.12%

Tax Assessment & Valuation

The 2025 property tax bill for 838 E 5th St was $859 with a homeowner's exemption, down 27.2% from the year before.

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

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	$859.00 (-27.2%)	$92,800 Land $25,400 Building $67,400	$92,800 Land $25,400 Building $67,400
2024	$1,180.00 (+9.97%)
2023	$1,073.00 (-20.93%)	$97,400 (-18.22%) Land $25,400 Building $72,000	$97,400 (-18.22%) Land $25,400 Building $72,000
2022	$1,357.00 Homeowner's exemption	$119,100 Land $25,400 Building $93,700	$119,100 Land $25,400 Building $93,700

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

Flood

FEMA maps place 838 E 5th 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 838 E 5th 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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