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

St. Joseph County property record for 956 E 3rd St, Mishawaka, IN 46544

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,488 sqft · built 1912
Lot Size	0.278 acres (12,144 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,954 (2024)
Deeds & Mortgages	Sep 2019 Mortgage Mar 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`71-09-15-252-034.000-023`

Property Details

APN / Parcel Number

Primary APN	`71-09-15-252-034.000-023`
Alternative APN	`01610311262`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,488 sqft Living Area
Basement Area	624 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1940
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	12,144 sqft (0.278 acres)
Lot Dimensions	132 ft deep x 92 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	200 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	480 sqft
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	01610311262
Street Address	956 E 3RD ST
City	MISHAWAKA
State	IN
Zip	46544-2739
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 26' LOT 11 & ALL LOTS 12 & B WARDS 1ST ADDN
Legal Subdivision	WARDS 1ST ADD
Legal Lot Number	11,12
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	2 Individual Names on Record
Mailing Address	956 E 3RD ST, MISHAWAKA, IN 46544-2739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage TEACHERS FCU
Mar 27, 2024	Deed of Trust, Mortgage · Conventional Mortgage EVERWISE CU
Aug 5, 2009	Deed of Trust, Mortgage · FHA Mortgage TAYLOR BEAN & WHITAKER MORTGAGE CORP
Sep 19, 2007	Deed of Trust, Mortgage · FHA Mortgage TAYLOR BEAN & WHITAKER MORTGAGE CORP
Jul 26, 2005	Deed of Trust, Mortgage · ARM HOMECOMINGS FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 1995
Deed Sale	Jun 7, 1995
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	956 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	0001924454
Date	Sep 25, 2019
Instrument	1924454

Lender

Name	TEACHERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	156 Months
Due	Sep 17, 2032

Interest

Rate Type	Fixed Rate

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	956 E 3RD ST, MISHAWAKA, IN 46544-2739
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	METROPLITAN TITLE, METROPOLITAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002406521
Date	Mar 27, 2024
Instrument	2406521

Lender

Name	EVERWISE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

August 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	956 E 3RD ST, MISHAWAKA, IN 46544-2739
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE IN LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000926189
Date	Aug 5, 2009
Instrument	0926189

Lender

Name	TAYLOR BEAN & WHITAKER MORTGAGE CORP
Type	Mortgage Company
Address	OCALA, FL 34475

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2039

September 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	956 E 3RD ST, MISHAWAKA, IN 46544-2739
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	METROPOLITAN TITLE/IN LLC, METROPOLITAN TITLE IN LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000737445
Date	Sep 19, 2007
Instrument	0737445

Lender

Name	TAYLOR BEAN & WHITAKER MORTGAGE CORP
Type	Mortgage Company
Address	OCALA, FL 34475

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2037

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST JOSEPH IN
Property Address	956 E 3RD ST, MISHAWAKA, IN 46544-2739
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	METROPOLITAN TITLE/IN LLC, MEROPOLITAN TITLE IN LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000533069
Date	Jul 26, 2005
Instrument	0533069

Lender

Name	HOMECOMINGS FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	FARMINGTON, MI 48334

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	7.87%
Type Change Date	Aug 1, 2007
Change Frequency	6 Months
Min Rate At Change	6.5%
Max Rate At Change	10.8%
Index	6-Month LIBOR
Max Rate	13.8%

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		$147,000 (-4.23%) Land $48,900 Building $98,100	$147,000 (-4.23%) Land $48,900 Building $98,100
2024	$1,954.00 (+10.15%)
2023	$1,774.00 (+2.42%)	$153,500 (+0.59%) Land $48,900 Building $104,600	$153,500 (+0.59%) Land $48,900 Building $104,600
2022	$1,732.00 Homeowner's exemption	$152,600 Land $48,900 Building $103,700	$152,600 Land $48,900 Building $103,700

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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