8445 E Backwater Rd, North Webster, IN 46555 Property Records

Kosciusko County property record for 8445 E Backwater Rd, North Webster, IN 46555

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,308 sqft · built 1961
Lot Size	3.35 acres (146,328 sqft)
Owner	Individual Name on Record
Tax Bill	$3,142 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`005-720005-15`

Property Details

APN / Parcel Number

Primary APN	`005-720005-15`
Alternative APNs	`43-08-14-300-498.000-023` `00000016783` `0572000515`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,308 sqft Living Area
1st Floor Area	2,308 sqft
Basement Area	676 sqft
Finished Basement	676 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2000
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	146,328 sqft (3.35 acres)
Lot Dimensions	160 ft deep x 400 ft wide
Garage Type	Mixed
Garage Area	1,696 sqft
Parking Spaces	6 Parking Spaces
Pool Area	720 sqft
Shed	1 Shed
Shed Area	77 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	00000016783
Street Address	8445 E BACKWATER RD
City	NORTH WEBSTER
State	IN
Zip	46555-9661
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESID
Legal Description	5-55-1 LOTS 10 THRU 13 STURDY OAK SD & TR S OF LOTS 1.89A
Legal Range	7
Legal Township	33
Legal Section	14
Legal Subdivision	STURDY OAK SUBDIVISION
Legal Tract	S
Legal Lot Number	10-13,1
Jurisdiction	KOSCIUSKO IN
Township / Civil Division	TIPPECANOE
Census Block Group	4
Census Block	4006
Census Tract	961500

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	8445 E BACKWATER RD, NORTH WEBSTER, IN 46555-9661
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2021	Deed of Trust, Mortgage · Line of Credit LAKE CITY BANK
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 20, 2014
Transfer Doc	2014080985
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	8445 E BACKWATER RD, NORTH WEBSTER, IN 46555-9661
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8445 E BACKWATER RD, NORTH WEBSTER, IN 46555-9661

Mortgage

Document Number	2021120843
Date	Dec 14, 2021
Instrument	2021120843

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46581

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 6, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	8445 E BACKWATER RD, NORTH WEBSTER, IN 46555-9661
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020101312
Date	Oct 22, 2020
Instrument	2020101312

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Kosciusko County
County Subdivision	Tippecanoe Township
Unified School District	Wawasee Community School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,142.00 (-1.44%) Homeowner's exemption	$617,700 (+16.92%) Land $118,500 Building $499,200	$617,700 (+16.92%) Land $118,500 Building $499,200
2024	$3,188.00 (-9.61%)
2023	$3,527.00 (+4.1%)	$528,300 (+8.68%) Land $83,100 Building $445,200	$528,300 (+8.68%) Land $83,100 Building $445,200
2022	$3,388.00	$486,100 Land $83,100 Building $403,000	$486,100 Land $83,100 Building $403,000

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Jun 2013 · 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	Low lower than 99.8% of the US · lower than 99.9% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber, Surf Internet.

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