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Row HouseResidential
$433,144$195 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

109 RIVER PARK DR

MIDDLEBURY, IN 46540
3
Beds
3
Baths
2,218 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1,220 ft²
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$433K
$407K low$460K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$233,144
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$186,515
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.47%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$200,000
FIRST ST BK/MIDDLEBURY · recorded Sep 24, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,316 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$429,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$35,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$394,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$431,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$429,300

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.23 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Row House
CountyElkhart
Lot (acres)The size of the land the home sits on, from county records.0.03
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 48 ft²Porch · 190 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Middlebury Elementary SchoolA
Elementary · Grades KG–3 · 0.6 mi
M
Northridge Middle SchoolA-
Middle · Grades 6–8 · 1.6 mi
H
Northridge High SchoolB-
High · Grades 9–12 · 2.1 mi

District: Middlebury Community Schools

Neighborhood · ZIP 46540These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.57
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.27

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.8%
PopulationHow many people live in this area.13,113
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.209 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$93,567
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$115,267
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.37 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 River Park Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 87% of homes in Elkhart County
  • Costs more per square foot than 71% of homes in Elkhart County
  • Bigger than 81% of homes in Elkhart County
  • Among the smallest lots in Middlebury 46540
  • Newer than 88% of homes in Elkhart County

What homes are worth in Middlebury 46540

Each bar is how many homes fall in that price range. The marker is this home.

This home
$162K$918K

This home is worth more than 66% of homes in Middlebury 46540.

How it measures up in Middlebury 46540

The dot is this home. The mark in the middle is the typical home in Middlebury 46540.

Estimated value$433,144
CheaperTypical $359,774Pricier

Pricier than 66% of homes nearby

Price per ft²$195
CheaperTypical $194Pricier

Pricier than 51% of homes nearby

Living area2,218 ft²
SmallerTypical 1,812 ft²Bigger

Bigger than 66% of homes nearby

Lot size1,220 ft²
SmallerTypical 0.77 acBigger

Smaller than almost all homes nearby

Year built2004
OlderTypical 1990Newer

Newer than 80% of homes nearby

How 109 River Park Dr ranks against every home in each area.
MeasureThis homeMiddlebury 46540Elkhart County
Estimated valuepricier than$433,14466% of homes87% of homes
Price per ft²pricier than$19551% of homes71% of homes
Living areabigger than2,218 ft²66% of homes81% of homes
Lot sizebigger than1,220 ft²almost no homesalmost no homes
Year builtnewer than200480% of homes88% of homes

About 109 River Park Dr

How much is 109 River Park Dr, Middlebury, IN worth?

The TopHap Estimate for 109 River Park Dr, Middlebury, IN is $433,144 as of Jul 14, 2026. The likely range is $406,760 to $459,528. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 River Park Dr, Middlebury, IN last sell?

109 River Park Dr, Middlebury, IN last sold on Nov 2, 2012, according to the county's recorded deed.

How big is 109 River Park Dr, Middlebury, IN?

109 River Park Dr, Middlebury, IN has 3 bedrooms, 3 bathrooms, 2,218 square feet of living space and a 0.03-acre lot.

When was 109 River Park Dr, Middlebury, IN built?

109 River Park Dr, Middlebury, IN was built in 2004, making it 22 years old. The building has 1 story.

What schools serve 109 River Park Dr, Middlebury, IN?

109 River Park Dr, Middlebury, IN is assigned to Middlebury Elementary School (elementary), rated A; Northridge Middle School (middle), rated A-; Northridge High School (high), rated B-. All sit in Middlebury Community Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 River Park Dr, Middlebury, IN compare to other homes in Middlebury 46540?

Among the 4,281 homes in Middlebury 46540, it is worth more than 66% of them ($433,144 against a typical $359,774), its price per square foot is higher than 51% of them ($195 against a typical $194), it is bigger than 66% of them (2,218 ft² against a typical 1,812 ft²), its lot is bigger than almost none of them (1,220 ft² against a typical 0.77 ac) and it is newer than 80% of them (2004 against a typical 1990). Measured against all of Elkhart County, it is worth more than 87% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 River Park Dr, Middlebury, IN?

The 2024 property tax bill for 109 River Park Dr, Middlebury, IN was $4,316. The county assessed it at $429,300.

Closest homes

More homes in Middlebury 46540

Assigned schools

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