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

St. Joseph County property record for 938 E 3rd St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,568 sqft · built 1897
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Tax Bill	$2,039 (2024)
Deeds & Mortgages	Jun 2025 Mortgage Oct 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-252-031.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-252-031.000-023`
Alternative APN	`01610311258`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,568 sqft Living Area
Basement Area	532 sqft

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1990
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610311258
Street Address	938 E 3RD ST
City	MISHAWAKA
State	IN
Zip	46544-2739
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 WARDS 1ST
Legal Subdivision	WARDS 01 ADD/MISHAWAKA
Legal Lot Number	9
Jurisdiction	ST JOSEPH IN
Township / Civil Division	PENN
Census Block Group	3
Census Block	3018
Census Tract	10300

Owner

Source: St. Joseph County records, as of March 6, 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
Co-owner	Co-owner on Record
Mailing Address	938 E 3RD ST, MISHAWAKA, IN 46544-2739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2025	Deed of Trust, Mortgage HUD
Oct 5, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED FCU
Dec 4, 2017	Deed, Transfer · Conventional Mortgage HALLMARK HOME MORTGAGE LLC
Jul 2, 2010	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2022
Deed Sale	Oct 5, 2022
Prior Sale	Dec 4, 2017 · Amount on Record
Deed Document Number	0002228842
Record Updated	Sep 20, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	938 E 3RD ST, MISHAWAKA, IN 46544-2739
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002514050
Date	Jun 13, 2025
Instrument	2514050

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2055

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Oct 5, 2022
Property Address	938 E 3RD ST, MISHAWAKA, IN 46544-2739
Document Number	0002228842
Map Reference	PB 7 PG 36
Instrument Date	Sep 28, 2022
Instrument	2228842
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	938 E 3RD ST, MISHAWAKA, IN 46544-2739

Mortgage

Document Number	0002228843
Date	Oct 5, 2022
Instrument	2228843

Lender

Name	UNITED FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Dec 4, 2017
Property Address	938 E 3RD ST, MISHAWAKA, IN 46544-2739
Document Number	0001733030
Map Reference	PB 7 PG 36
Instrument Date	Nov 30, 2017
Instrument	1733030
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	938 E 3RD ST, MISHAWAKA, IN 46544-2739

Mortgage

Document Number	0001733031
Date	Dec 4, 2017
Instrument	1733031

Lender

Name	HALLMARK HOME MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2010: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST JOSEPH IN
Recording Date	Jul 2, 2010
Property Address	938 E 3RD ST, MISHAWAKA, IN 46544-2739
Document Number	0001017637
Map Reference	MB7 PG36
Instrument Date	Jun 29, 2010
Instrument	1017637
Transaction Type	Transfer
Record Updated	Jun 23, 2026

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
Address	103 HICKORY ST, WALKERTON, IN 46574-1421

Tax Assessment & Valuation

Source: St. Joseph County assessment roll, as of July 1, 2025

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		$149,000 (-5.34%) Land $35,100 Building $113,900	$149,000 (-5.34%) Land $35,100 Building $113,900
2024	$2,039.00 (+13.15%)
2023	$1,802.00 (+1.18%)	$157,400 (+1.81%) Land $35,100 Building $122,300	$157,400 (+1.81%) Land $35,100 Building $122,300
2022	$1,781.00 Homeowner's exemption	$154,600 Land $35,100 Building $119,500	$154,600 Land $35,100 Building $119,500

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 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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