902 W Centennial St, Nappanee, IN 46550 Property Records

Elkhart County property record for 902 W Centennial St, Nappanee, IN 46550

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,034 sqft · built 1910
Lot Size	0.382 acres (16,640 sqft)
Owner	Individual Name on File
Last Sale	$148,000 (Mar 2024)
Tax Bill	$1,179 (2024)
Deeds & Mortgages	Jan 2026 Line of Credit Mar 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-13-36-178-009.000-021`

Property Details

APN / Parcel Number

Primary APN	`20-13-36-178-009.000-021`
Alternative APN	`1336178009021`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,034 sqft Living Area
1st Floor Area	1,034 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1945
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,640 sqft (0.382 acres)
Lot Dimensions	132 ft deep x 126 ft wide
View / Lot	Extra Front
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	70 sqft
Patio Area	176 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	902 W CENTENNIAL ST
City	NAPPANEE
State	IN
Zip	46550-1508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	ADAM V GUISS ADDITION LOT 22 & 23
Legal Subdivision	ADAM V GUISS ADDITION
Legal Block	178
Legal Lot Number	22,23
Jurisdiction	ELKHART IN
Township / Civil Division	LOCKE
Census Block Group	1
Census Block	1008
Census Tract	1200

Owner

902 W Centennial St is owned and occupied by an individual who bought it in March 2024.

Source: Elkhart County records, as of February 18, 2026

Owner of Record	Individual Name on File
Mailing Address	902 W CENTENNIAL ST, NAPPANEE, IN 46550-1508
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 27, 2026	Deed of Trust, Mortgage · Line of Credit 1ST SOURCE BANK
Mar 28, 2024	Warranty Deed, Transfer · Conventional Mortgage 1ST SOURCE BANK
Oct 20, 2022	Warranty Deed, Transfer
Jul 19, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2024 · Amount on File
Deed Sale	Mar 28, 2024 · Amount on File
Prior Sale	Jun 9, 2023 · Amount on File
Deed Document Number	20244981
Prior Transfer Date	Oct 19, 2022
Prior Transfer Doc	0000002347
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	902 W CENTENNIAL ST, NAPPANEE, IN 46550-1508
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001502
Date	Jan 27, 2026
Instrument	2026-01502

Lender

Name	1ST SOURCE BANK
Type	Bank
Address	NAPPANEE, IN 46550

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	145 Months
Due	Feb 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Mar 28, 2024
Property Address	902 W CENTENNIAL ST, NAPPANEE, IN 46550-1508
Document Number	0000004981
Map Reference	MB 1 PG 147
Instrument Date	Mar 28, 2024
Instrument	2024-04981
Transaction Type	Transfer
Record Updated	Apr 10, 2024
Title Company	HERITAGE PARKE TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 W CENTENNIAL ST, NAPPANEE, IN 46550-1508

Mortgage

Document Number	0000004982
Date	Mar 28, 2024
Instrument	2024-04982

Lender

Name	1ST SOURCE BANK
Type	Bank

Agreement

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

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Oct 20, 2022
Property Address	902 W CENTENNIAL ST, NAPPANEE, IN 46550-1508
Document Number	0000002347
Instrument Date	Oct 18, 2022
Instrument	2022-22347
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	104 HARTMAN KNOLL CT, NAPPANEE, IN 46550-1322

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKHART IN
Recording Date	Jul 19, 2017
Property Address	902 W CENTENNIAL ST, NAPPANEE, IN 46550-1508
Document Number	0000015017
Instrument Date	Jun 13, 2017
Instrument	15017
Transaction Type	Transfer
Record Updated	Jul 21, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 W CENTENNIAL ST NAPPANEE IN 465501508, NAPPANEE, IN 46550-1508

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Locke Township
Municipality	Nappanee City
Unified School District	Wa-Nee Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$120,400 (+4.06%) Land $22,200 Building $98,200	$120,400 (+4.06%) Land $22,200 Building $98,200
2024	$1,179.00	$115,700 (+3.03%) Land $22,200 Building $93,500	$115,700 (+3.03%) Land $22,200 Building $93,500
2023		$112,300 (+8.08%) Land $22,200 Building $90,100	$112,300 (+8.08%) Land $22,200 Building $90,100
2022	$1,081.00 Homeowner's exemption	$103,900 Land $22,200 Building $81,700	$103,900 Land $22,200 Building $81,700

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

Flood

FEMA maps place 902 W Centennial St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 22, 2024 · 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
Nearby Flood Policies	3 in force

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 902 W Centennial 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	NAPPANEE WATER UTILITY serves 6,800 people · EPA ID IN5220016
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	1 ppb (2023–2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 391 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Fourway, New Paris Telephone Company.

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