848 E State Rd 14, Silver Lake, IN 46982 Property Records

Kosciusko County property record for 848 E State Rd 14, Silver Lake, IN 46982

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,082 sqft · built 1865
Lot Size	5.4 acres (235,224 sqft)
Owner	2 Individual Names on File
Last Sale	$458,318 (Mar 2026)
Tax Bill	$2,695 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Dec 2013 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`035-725000-50`

Property Details

APN / Parcel Number

Primary APN	`035-725000-50`
Alternative APNs	`43-18-06-200-050.000-013` `00000052910` `3572500050`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,082 sqft Living Area
1st Floor Area	2,082 sqft
Basement Area	1,538 sqft
Finished Basement	1,538 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1865
Effective Year Built	Effective 1990
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	235,224 sqft (5.4 acres)
Garage Type	Attached
Garage Area	673 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	00000052910
Street Address	848 E STATE ROAD 14
City	SILVER LAKE
State	IN
Zip	46982-8986
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	35-44-2 TRACT S 1/2 E 1/2 SE 2-30-6 5.40A
Legal Range	6
Legal Township	30
Legal Section	2
Legal Tract	S
Jurisdiction	KOSCIUSKO IN
Township / Civil Division	LAKE
Census Block Group	1
Census Block	1043
Census Tract	962700

Owner

848 E State Rd 14 is owned and occupied by two individuals who bought it in March 2026.

Source: Kosciusko County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	848 E STATE ROAD 14, SILVER LAKE, IN 46982-8986
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Deed of Trust, Mortgage · Line of Credit MIDWEST AMERICA FCU
Dec 12, 2013	Deed of Trust, Mortgage MIDWEST AMERICA FCU
Jan 19, 2012	Deed of Trust, Mortgage · Line of Credit MIDWEST AMERICA FCU
May 27, 2005	Deed of Trust, Mortgage · Conventional Mortgage BEACON CU
Mar 16, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage LAKE CITY BANK
Dec 28, 2023	Warranty Deed, Transfer · Conventional Mortgage LAKE CITY BANK
Apr 1, 2022	Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Apr 6, 2022	Re-recorded Document · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2026 · Amount on File
Deed Sale	Mar 16, 2026 · Amount on File
Prior Sale	Dec 28, 2023 · Amount on File
Deed Document Number	202630597
Prior Transfer Date	Mar 11, 2026
Prior Transfer Doc	0000030597
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	848 E STATE ROAD 14, SILVER LAKE, IN 46982-8986
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	848 E STATE ROAD 14, SILVER LAKE, IN 46982-8986

Mortgage

Document Number	2021100220
Date	Oct 5, 2021
Instrument	2021100220

Lender

Name	MIDWEST AMERICA FCU
Type	Credit Union
Address	FORT WAYNE, IN 46825

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 4, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	848 E STATE ROAD 14, SILVER LAKE, IN 46982-8986
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2013120487
Date	Dec 12, 2013
Instrument	2013120487

Lender

Name	MIDWEST AMERICA FCU
Type	Credit Union
Address	FORT WAYNE, IN 46825

Agreement

Amount	Amount on Record
Term	120 Months
Due	Dec 1, 2023

January 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	848 E STATE ROAD 14, SILVER LAKE, IN 46982-8986
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012010601
Date	Jan 19, 2012
Instrument	2012010601

Lender

Name	MIDWEST AMERICA FCU
Type	Credit Union
Address	FORT WAYNE, IN 46825

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 17, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	848 E STATE ROAD 14, SILVER LAKE, IN 46982-8986
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200500007406
Date	May 27, 2005
Instrument	200500007406

Lender

Name	BEACON CU
Address	NORTH MANCHESTER, IN 46962

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 17, 2020

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KOSCIUSKO IN
Recording Date	Mar 16, 2026
Property Address	848 E STATE ROAD 14, SILVER LAKE, IN 46982-8986
Document Number	2026030597
Instrument Date	Mar 11, 2026
Instrument	2026030597
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	848 E STATE ROAD 14, SILVER LAKE, IN 46982-8986

Mortgage

Document Number	2026030598
Date	Mar 16, 2026
Instrument	2026030598

Lender

Name	LAKE CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	Dec 28, 2023
Property Address	848 E STATE ROAD 14, SILVER LAKE, IN 46982-8986
Document Number	2023121108
Instrument Date	Dec 22, 2023
Instrument	2023121108
Transaction Type	Transfer
Record Updated	Jan 19, 2024
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE OF IN LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	848 E STATE ROAD 14, SILVER LAKE, IN 46982-8986

Mortgage

Document Number	2023121109
Date	Dec 28, 2023
Instrument	2023121109

Lender

Name	LAKE CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	Apr 1, 2022
Property Address	848 E STATE ROAD 14, SILVER LAKE, IN 46982-8986
Document Number	2022040083
Instrument Date	Mar 29, 2022
Instrument	2022040083
Transaction Type	Transfer
Record Updated	Jun 13, 2023

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	848 E STATE ROAD 14, SILVER LAKE, IN 46982-8986
Investor	Possibly a Property Investor

Mortgage

Document Number	2022040084
Date	Apr 1, 2022
Instrument	2022040084

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

April 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	KOSCIUSKO IN
Recording Date	Apr 6, 2022
Property Address	848 E STATE ROAD 14, SILVER LAKE, IN 46982-8986
Document Number	2022040217
Instrument Date	Mar 29, 2022
Instrument	2022040217
Record Updated	Jun 13, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	848 E STATE ROAD 14, SILVER LAKE, IN 46982-8986
Investor	Possibly a Property Investor

Mortgage

Document Number	2022040218
Date	Apr 6, 2022
Instrument	2022040218

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 848 E State Rd 14 was $2,695 with a homeowner's exemption, down 3.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Indiana
County	Kosciusko County
County Subdivision	Lake Township
Unified School District	Warsaw Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,695.00 (-3.44%) Homeowner's exemption	$391,600 (+10.22%) Land $35,400 Building $356,200	$391,600 (+10.22%) Land $35,400 Building $356,200
2024	$2,791.00 (+1.86%) Homeowner's exemption	$355,300 (+7.11%) Land $29,500 Building $325,800	$355,300 (+7.11%) Land $29,500 Building $325,800
2023	$2,740.00 (+57.29%)	$331,700 (+57.65%) Land $28,500 Building $303,200	$331,700 (+57.65%) Land $28,500 Building $303,200
2022	$1,742.00	$210,400 Land $27,500 Building $182,900	$210,400 Land $27,500 Building $182,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 848 E State Rd 14 in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2004.

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	1 in force
Nearby Flood Claims	7 (2004–2015)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jun 2015 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Mar 2009 · 3 claims Severe Storms And Flooding, Jan 2008 · 2 claims

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

The area around 848 E State Rd 14 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Kosciusko Connect Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E State Rd 14

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