96 E State Rd 14, Silver Lake, IN 46982 Property Records

Kosciusko County property record for 96 E State Rd 14, Silver Lake, IN 46982

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,196 sqft · built 1975
Lot Size	5.28 acres (229,997 sqft)
Owner	Individual Name on Record
Last Sale	$181,000 (Apr 2022)
Tax Bill	$1,398 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`035-726001-90`

Property Details

APN / Parcel Number

Primary APN	`035-726001-90`
Alternative APNs	`43-18-06-300-119.000-013` `00000052985` `3572600190`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft
Attic	Attic
Attic Area	676 sqft
Basement Area	676 sqft
Unfinished Basement	676 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	229,997 sqft (5.28 acres)
Terrain	High
Garage Type	Carport
Carport	Carport
Parking Spaces	7 Parking Spaces

Exterior Amenities

Shed	1 Shed
Shed Area	128 sqft
Lean-To	800 sqft
Silo	314 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00000052985
Street Address	96 E STATE ROAD 14
City	SILVER LAKE
State	IN
Zip	46982-9086
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	35-43-1.A TR PT W 1/2 SW 2-30-6 5.28A PER CALC
Legal Range	6
Legal Township	30
Legal Section	2
Jurisdiction	KOSCIUSKO IN
Township / Civil Division	LAKE
Census Block Group	1
Census Block	1043
Census Tract	962700

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	96 E STATE ROAD 14, SILVER LAKE, IN 46982-9086
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 27, 2022	Intrafamily Transfer, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2022 · Amount on Record
Deed Sale	Apr 27, 2022 · Amount on Record
Prior Sale	Jan 13, 1999 · Amount on Record
Deed Document Number	202241236
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSCIUSKO IN
Property Address	96 E STATE ROAD 14, SILVER LAKE, IN 46982-9086
Transaction Type	Mortgage
Record Updated	Dec 26, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 E STATE ROAD 14, SILVER LAKE, IN 46982-9086

Mortgage

Document Number	2023070839
Date	Jul 26, 2023
Instrument	2023070839

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	226 Months
Due	May 1, 2042

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KOSCIUSKO IN
Recording Date	Apr 27, 2022
Property Address	96 E STATE ROAD 14, SILVER LAKE, IN 46982-9086
Document Number	2022041236
Instrument Date	Apr 26, 2022
Instrument	2022041236
Transaction Type	Transfer
Record Updated	Dec 26, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 E STATE ROAD 14, SILVER LAKE, IN 46982-9086

Mortgage

Document Number	2022041237
Date	Apr 27, 2022
Instrument	2022041237

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,398.00 (+2.34%) Homeowner's exemption	$214,900 (+12.28%) Land $52,000 Building $162,900	$214,900 (+12.28%) Land $52,000 Building $162,900
2024	$1,366.00 (-5.47%) Homeowner's exemption	$191,400 (+6.27%) Land $39,400 Building $152,000	$191,400 (+6.27%) Land $39,400 Building $152,000
2023	$1,445.00 (+39.34%)	$180,100 (+25.51%) Land $39,400 Building $140,700	$180,100 (+25.51%) Land $39,400 Building $140,700
2022	$1,037.00	$143,500 Land $21,700 Building $121,800	$143,500 Land $21,700 Building $121,800

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	7 (2004–2015)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jun 2015 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Mar 2009 · 3 claims Severe Storms And Flooding, Jan 2008 · 2 claims

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Kosciusko Connect Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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