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

St. Joseph County property record for 945 E 3rd St, Mishawaka, IN 46544

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,180 sqft · built 1921
Lot Size0.133 acres (5,808 sqft)
Owner2 Individual Names on File
Tax Bill$1,636 (2024)
Deeds & MortgagesApr 2008 Mortgage
Mar 2012 Mortgage
Flood ZoneZone X (minimal risk)
APN71-09-15-253-010.000-023

Property Details

APN / Parcel Number

Primary APN71-09-15-253-010.000-023
Alternative APN
  • 01610311272

Interior

Bedrooms3 Beds
Full Baths1 Bath
Plumbing Fixtures5 Plumbing Fixtures
Total Rooms6 Rooms
Stories1 Story
Building Area1,180 sqft Living Area
Basement Area1,180 sqft

Exterior

Year BuiltBuilt 1921
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof MaterialAsphalt
Lot Area5,808 sqft (0.133 acres)
Lot Dimensions132 ft deep x 44 ft wide
Garage TypeDetached
Garage Area308 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerConnected

Location & Zoning

Account Number01610311272
Street Address945 E 3RD ST
CityMISHAWAKA
StateIN
Zip46544-2738
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description44 FT E SIDE LOT 15 WARDS 1ST ADD
Legal SubdivisionWARDS 1ST ADD
Legal Lot Number15
JurisdictionST JOSEPH IN
Township / Civil DivisionPENN
Census Block Group3
Census Block3022
Census Tract10300

Owner

Source: St. Joseph County records · APN 71-09-15-253-010.000-023

Assessment roll updated July 1, 2025 · Last verified March 2026

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

Owner of Record2 Individual Names on File
Mailing Address945 E 3RD ST, MISHAWAKA, IN 46544-2738
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 18, 2008Deed of Trust, Mortgage · FHA Mortgage
RUOFF MORTGAGE COMPANY INC
Mar 30, 2012Deed of Trust, Mortgage · FHA Mortgage
1ST SOURCE BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 17, 1995
Deed SaleOct 17, 1995
Record UpdatedSep 20, 2026

April 2008: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOSEPH IN
Property Address945 E 3RD ST, MISHAWAKA, IN 46544-2738
Transaction TypeMortgage
Record UpdatedJun 23, 2026
Title CompanyMETROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE IN

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000813066
DateApr 18, 2008
Instrument0813066
Lender
NameRUOFF MORTGAGE COMPANY INC
TypeMortgage Company
AddressFORT WAYNE, IN 46825
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2038

March 2012: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST JOSEPH IN
Property Address945 E 3RD ST, MISHAWAKA, IN 46544-2738
Transaction TypeMortgage
Record UpdatedJun 23, 2026
Title CompanyMETROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE IN LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001209122
DateMar 30, 2012
Instrument1209122
Lender
Name1ST SOURCE BANK
TypeBank
AddressSOUTH BEND, IN 46601
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2042

Tax Assessment & Valuation

Source: St. Joseph County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

TypeName
StateIndiana
CountySt. Joseph County
County SubdivisionPenn Township
MunicipalityMishawaka City
Unified School DistrictMishawaka School City (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$123,800 (-4.84%) Land $23,400 Building $100,400$123,800 (-4.84%) Land $23,400 Building $100,400
2024$1,636.00 (+11.14%)
2023$1,472.00 (-3.22%)$130,100 (-1.81%) Land $23,400 Building $106,700$130,100 (-1.81%) Land $23,400 Building $106,700
2022$1,521.00 Homeowner's exemption$132,500 Land $23,400 Building $109,100$132,500 Land $23,400 Building $109,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Joseph County (18141C), as of December 15, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax 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 Broadband
Fixed Wireless		150 / 20

May also be available: Fourway Computer Products.

Based on FCC filings for 505 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system IN5271009, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemMISHAWAKA UTILITIES
serves 49,675 people
Water SourceGroundwater
Last State InspectionFeb 2025
Lead7 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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