91 Ems C19 Ln, Warsaw, IN 46582 Property Records

Kosciusko County property record for 91 Ems C19 Ln, Warsaw, IN 46582

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1973
Lot Size	0.152 acres (6,615 sqft)
Owner	Individual Name on Record
Last Sale	$118,000 (May 2020)
Tax Bill	$551 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`029-707006-40`

Property Details

APN / Parcel Number

Primary APN	`029-707006-40`
Alternative APNs	`43-07-26-200-488.000-016` `00000048583` `2970700640`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1983
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	6,615 sqft (0.152 acres)
Lot Dimensions	105 ft deep x 63 ft wide
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	00000048583
Street Address	91 EMS C19 LN
City	WARSAW
State	IN
Zip	46582-9194
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESID
Legal Description	29-104-83 LOT 1 ROSNAGLE CAMDEN ADD ARROWHEAD PARK
Legal Range	6
Legal Township	33
Legal Section	26
Legal Subdivision	ARROWHEAD PARK
Legal Lot Number	1
Jurisdiction	KOSCIUSKO IN
Township / Civil Division	PLAIN
Census Block Group	1
Census Block	1006
Census Tract	961700

Owner

Source: Kosciusko County records, as of October 13, 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	91 EMS C19 LN, WARSAW, IN 46582-9194
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2020	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Nov 15, 2018	Warranty Deed, Transfer · VA Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2020 · Amount on Record
Deed Sale	May 20, 2020 · Amount on Record
Prior Sale	Nov 15, 2018 · Amount on Record
Deed Document Number	202050748
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	May 20, 2020
Property Address	91 EMS C19 LN, WARSAW, IN 46582-9194
Document Number	2020050748
Instrument Date	May 15, 2020
Instrument	2020050748
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 EMS C19 LN, WARSAW, IN 46582-9194

Mortgage

Document Number	2020050749
Date	May 20, 2020
Instrument	2020050749

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSCIUSKO IN
Recording Date	Nov 15, 2018
Property Address	91 EMS C19 LN, WARSAW, IN 46582-9194
Document Number	2018110637
Map Reference	MB 8 PG 43A
Instrument Date	Nov 9, 2018
Instrument	2018110637
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 EMS C19 LN, WARSAW, IN 46582-9194

Mortgage

Document Number	2018110638
Date	Nov 15, 2018
Instrument	2018110638

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$551.00 (-7.08%) Homeowner's exemption	$137,900 (+6.65%) Land $26,400 Building $111,500	$137,900 (+6.65%) Land $26,400 Building $111,500
2024	$593.00 (+3.67%) Homeowner's exemption	$129,300 (+3.03%) Land $20,500 Building $108,800	$129,300 (+3.03%) Land $20,500 Building $108,800
2023	$572.00 (+22.48%)	$125,500 (+14.61%) Land $19,700 Building $105,800	$125,500 (+14.61%) Land $19,700 Building $105,800
2022	$467.00	$109,500 Land $17,000 Building $92,500	$109,500 Land $17,000 Building $92,500

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	11 (1981–2013)
Most Recent Claim	Aug 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 96% of the US · lower than 73% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Kosciusko Connect, Xfinity.

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