992 Spring Crossing Dr, Middlebury, IN 46540 Property Records

Elkhart County property record for 992 Spring Crossing Dr, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,620 sqft · built 1997
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$222,518 (Jan 2025)
Tax Bill	$4,492 (2024)
Deeds & Mortgages	Nov 2023 Mortgage Jan 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-08-16-106-004.000-035`

Property Details

APN / Parcel Number

Primary APN	`20-08-16-106-004.000-035`
Alternative APN	`0816106004035`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,620 sqft Living Area
1st Floor Area	810 sqft
Attic	Attic
Attic Area	810 sqft
Basement Area	810 sqft
Finished Basement	500 sqft
Flooring	Subfloor

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Asphalt
Lot Area	6,098 sqft (0.139 acres)
Lot Dimensions	76 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0816106004035
Old Parcel Number	0816106004035
Street Address	992 SPRING CROSSING DR
City	MIDDLEBURY
State	IN
Zip	46540-9228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	SHARON COURT PUD LOT 3
Legal Subdivision	SHARON COURT
Legal Block	106
Legal Lot Number	3
Jurisdiction	ELKHART IN
Township / Civil Division	MIDDLEBURY
Census Block Group	2
Census Block	2009
Census Tract	804

Owner

992 Spring Crossing Dr is owned and occupied by an individual who bought it in January 2025.

Source: Elkhart County records, as of March 5, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	992 SPRING CROSSING DR, MIDDLEBURY, IN 46540-9228
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2023	Deed of Trust, Mortgage · Commercial Mortgage THE STATE BANK & TRUST CO
Jan 31, 2025	Deed, Transfer · Conventional Mortgage THE STATE BANK & TRUST CO
Jan 14, 2025	Contract Sale, Transfer · Land Contract FORT MYERS INVESTMENTS LLC
Oct 20, 2021	Warranty Deed, Transfer
Mar 10, 2021	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2025 · Amount on File
Deed Sale	Jan 31, 2025 · Amount on File
Prior Sale	Oct 20, 2021 · Amount on File
Deed Document Number	2025-01780
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	992 SPRING CROSSING DR, MIDDLEBURY, IN 46540-9228
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000016
Date	Nov 29, 2023
Instrument	2023-20016

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank
Address	FORT WAYNE, IN 46845

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 28, 2033

Interest

Rate Type	Adjustable Rate

January 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ELKHART IN
Recording Date	Jan 31, 2025
Property Address	992 SPRING CROSSING DR, MIDDLEBURY, IN 46540-9228
Document Number	0000001780
Map Reference	MB 23 PG 80
Instrument Date	Jan 27, 2025
Instrument	2025-01780
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	PEAK TITLE AGENCY

Transaction

Amount	Amount on Record
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	992 SPRING CROSSING DR, MIDDLEBURY, IN 46540-9228

Mortgage

Document Number	0000001781
Date	Jan 31, 2025
Instrument	2025-01781

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

January 2025: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	ELKHART IN
Recording Date	Jan 14, 2025
Property Address	992 SPRING CROSSING DR, MIDDLEBURY, IN 46540-9228
Document Number	0000000734
Map Reference	MB 23 PG 80
Instrument Date	Dec 5, 2023
Instrument	2025-00734
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Date	Jan 14, 2025

Lender

Name	FORT MYERS INVESTMENTS LLC
Type	Non-Lending Institution

Agreement

Type	Land Contract
Amount	Amount on Record
Term	11 Months
Due	Dec 1, 2025

Interest

Rate	7.65%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Oct 20, 2021
Property Address	992 SPRING CROSSING DR, MIDDLEBURY, IN 46540-9228
Document Number	0000008312
Map Reference	MB 23 PG 80
Instrument Date	Oct 15, 2021
Instrument	2021-28312
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	992 SPRING CROSSING DR, MIDDLEBURY, IN 46540-9228

March 2021: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	ELKHART IN
Recording Date	Mar 10, 2021
Property Address	992 SPRING CROSSING DR, MIDDLEBURY, IN 46540-9228
Document Number	0000006119
Map Reference	MB 23 PG 80
Instrument Date	Feb 24, 2021
Instrument	2021-06119
Transaction Type	Foreclosure
Record Updated	Oct 17, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69239 COUNTY ROAD 21, NEW PARIS, IN 46553-9611

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	Middlebury Township
Municipality	Middlebury Town
Unified School District	Middlebury Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$235,700 (+4.94%) Land $9,300 Building $226,400	$235,700 (+4.94%) Land $9,300 Building $226,400
2024	$4,492.00	$224,600 (+7.36%) Land $9,300 Building $215,300	$224,600 (+7.36%) Land $9,300 Building $215,300
2023		$209,200 (+2.25%) Land $9,300 Building $199,900	$209,200 (+2.25%) Land $9,300 Building $199,900
2022	$4,846.00	$204,600 Land $9,300 Building $195,300	$204,600 Land $9,300 Building $195,300

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

Flood

FEMA maps place 992 Spring Crossing Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 22, 2024

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

Wildfire risk around 992 Spring Crossing Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 73% of Indiana
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 182 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
New Paris Telephone Company Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Mercury Fiber.

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