845 E 3rd St, Mishawaka, IN 46544 Property Records

St. Joseph County property record for 845 E 3rd St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,584 sqft · built 1907
Lot Size	0.125 acres (5,425 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,192 (2025)
Deeds & Mortgages	Dec 2005 Line of Credit Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-178-021.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-178-021.000-023`
Alternative APN	`01610291187`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,584 sqft Living Area
Gross Area	2,376 sqft
1st Floor Area	2,376 sqft
Basement Area	792 sqft

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	5,425 sqft (0.125 acres)
Lot Dimensions	155 ft deep x 35 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	845 E 3RD ST
City	MISHAWAKA
State	IN
Zip	46544-2236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	35 FT W SIDE LOT 23 PARKS SUB
Legal Subdivision	PARKS SUB
Legal Lot Number	23
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	3
Census Block	3028
Census Tract	10300

Owner

Source: St. Joseph County records, as of October 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	845 E 3RD ST, MISHAWAKA, IN 46544-2236
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2005	Deed of Trust, Mortgage · Line of Credit KEY BANK NA
Jun 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA
Jan 3, 2012	Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA
Aug 22, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 17, 2017
Transfer Doc	0000022777
Record Updated	Oct 29, 2026

December 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	845 E 3RD ST, MISHAWAKA, IN 46544-2236
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000556215
Date	Dec 7, 2005
Instrument	0556215

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 23, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	845 E 3RD ST, MISHAWAKA, IN 46544-2236
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	ACCURA TITLE, ACCURATE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002218117
Date	Jun 21, 2022
Instrument	2218117

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 15, 2037

Interest

Rate Type	Fixed Rate

January 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	845 E 3RD ST, MISHAWAKA, IN 46544-2236
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001200024
Date	Jan 3, 2012
Instrument	1200024

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 2, 2022

Interest

Rate Type	Fixed Rate

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Aug 22, 2017
Property Address	845 E 3RD ST, MISHAWAKA, IN 46544-2236
Document Number	0001722777
Map Reference	PB7 PG76
Instrument Date	Aug 17, 2017
Instrument	1722777
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	845 E 3RD ST, MISHAWAKA, IN 46544-2236

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	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	$1,192.00 (-22.8%)	$115,000 (-5.81%) Land $19,800 Building $95,200	$115,000 (-5.81%) Land $19,800 Building $95,200
2024	$1,544.00 (+9.43%)
2023	$1,411.00 (+3.14%)	$122,100 (-) Land $19,800 Building $102,300	$122,100 (-) Land $19,800 Building $102,300
2022	$1,368.00 Homeowner's exemption	$122,100 Land $19,800 Building $102,300	$122,100 Land $19,800 Building $102,300

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

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

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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