Elkhart County, Indiana Court Filings Intelligence
Live court-record analysis of property-related filings (foreclosure, probate, divorce, partition, guardianship). Data sourced direct from Elkhart County court dockets. Updated 2026-06-16. See methodology.
About Elkhart County
Elkhart County is a county located in the U.S. state of Indiana. As of 2020, the county's population was 207,047. The county seat is Goshen. Elkhart County is part of the Elkhart-Goshen Metropolitan Statistical Area, which in turn is part of the South Bend-Elkhart-Mishawaka Combined Statistical Area. It is also considered part of the broader region of Northern Indiana known as Michiana, and is 20 miles (32 km) east of South Bend, Indiana, 110 miles (180 km) east of Chicago, Illinois, and 150 miles (240 km) north of Indianapolis, Indiana. The area is referred to by locals as the recreation vehi
Source: Wikipedia
At a glance
9 verified property-related court filings tracked across 3 months (Apr 2026 to Jun 2026).
2 typical monthly filing volume.
#11 of 19 Indiana counties Keystone covers, ranked by total filing volume.
67% of filings involve owners whose mailing address differs from the property address (6 of 9 filings).
$251,855 median estimated property value across the 9 filings with property-enrichment data (100% coverage).
2.8% Indiana unemployment rate (BLS, as of 2026-04). Filings should be read against the local-economy backdrop.
Filing type breakdown
| Filing type | Filings | Share | |
|---|---|---|---|
| Probate | 4 | 44.4% | |
| Divorce | 3 | 33.3% | |
| Pre-Probate | 2 | 22.2% |
Each row is a distinct case verified for current owner-of-record before inclusion.
Monthly filing activity
| Month | Filings | vs prior | |
|---|---|---|---|
| Apr 2026 | 2 | ||
| May 2026 | 3 | +1 | |
| Jun 2026 | 4 | +1 |
Each row reflects new filings entering the dataset that month, after ownership verification. Most recent month may be partial.
Geographic concentration by ZIP
Top 6 ZIPs in Elkhart County account for 100.0% of all tracked filings, showing where distressed real estate activity clusters.
| ZIP | City | Filings | Share | |
|---|---|---|---|---|
| 46514 | Elkhart | 2 | 22.2% | |
| 46528 | Goshen | 2 | 22.2% | |
| 46526 | Goshen | 2 | 22.2% | |
| 46543 | Millersburg | 1 | 11.1% | |
| 46517 | Elkhart | 1 | 11.1% | |
| 46561 | Osceola | 1 | 11.1% |
Based on filings with a parseable property address (100% of Elkhart County filings).
Property value distribution
| Estimated value | Filings | Share | |
|---|---|---|---|
| $150k - $250k | 4 | 44.4% | |
| $250k - $400k | 3 | 33.3% | |
| $400k+ | 2 | 22.2% |
Source: third-party property enrichment (100% coverage on Elkhart County filings). Median $251,855; mean $283,769.
Day-of-week filing pattern
| Day | Filings | Share | |
|---|---|---|---|
| Sun | 0 | 0.0% | |
| Mon | 2 | 22.2% | |
| Tue | 0 | 0.0% | |
| Wed | 3 | 33.3% | |
| Thu | 1 | 11.1% | |
| Fri | 2 | 22.2% | |
| Sat | 1 | 11.1% |
Filings show some weekend activity, suggesting after-hours electronic filing. Computed for 9 filings with a parseable date.
Housing stock + distress signals
Underlying housing stock and distress indicators across all 80102 Elkhart County housing units, from US Census ACS 5-year data. National reference values shown for context.
| Indicator | Elkhart County | US average |
|---|---|---|
| Vacancy rate (incl. seasonal + for-sale) | 10.4% | 10.5% |
| Share of owner-occupied units carrying a mortgage | 63.9% | 60.8% |
| Pre-1940 housing stock | 15.7% | 12.3% |
| Single-family detached share of housing stock | 69.7% | 61.2% |
| Residents age 65 or older | 15.2% | 17.3% |
Source: US Census Bureau American Community Survey (ACS 2023 5-year). National reference values are ACS 2022 5-year US totals. Why these matter: vacancy rate is the strongest single proxy for distressed inventory; mortgage-carrying share defines the risk pool exposed to rate environment; pre-1940 stock signals deferred maintenance and renovation opportunity; senior population correlates with probate pipeline depth.
Rent benchmark (HUD Fair Market Rent)
HUD sets Fair Market Rents at the metro area level — the same FMRs apply to every county within the metro. Elkhart County sits within the Elkhart-Goshen, IN. Used to set Section 8 voucher amounts; investors use it as a defensible rent-estimate floor for buy-to-rent underwriting.
| Unit size | Fair market rent / month |
|---|---|
| Efficiency / studio | $968 |
| 1-bedroom | $992 |
| 2-bedroom | $1,183 |
| 3-bedroom | $1,553 |
| 4-bedroom | $1,581 |
Source: US Department of Housing and Urban Development, Fair Market Rents (None). 40th-percentile gross rent including utilities. Why this matters: Section-8-eligible tenants are a baseline demand floor for rental inventory at these price points; FMR is the official ceiling for voucher-eligible rents.
New construction (market momentum)
Annual building permits filed in Elkhart County from the US Census Building Permits Survey. Trend signal on whether new housing demand is accelerating or contracting in this market.
| Indicator | Value |
|---|---|
| Total housing units permitted (2025) | 777 |
| Year-over-year change (2024 → 2025) | +60.5% |
| Single-family share of permits (2025) | 41.8% |
| Single-family units permitted | 325 |
| Multifamily units permitted (2+ units per building) | 452 |
Source: US Census Bureau Building Permits Survey, annual cumulative data. Why this matters: permits trending up signals strong demand for new inventory; permits contracting at the same time foreclosure activity rises indicates broader market softening (deals price differently). Multifamily share shows whether the market is densifying or holding to single-family stock.
Macro context: state home prices and national delinquency
Elkhart County filings should be read against the broader housing-market backdrop. Indiana state home-price trend and the national mortgage-delinquency rate are the two macro signals most directly relevant to foreclosure exposure.
| Indicator | Value | Period |
|---|---|---|
| Indiana home price index (year-over-year) | +4.3% | 2026-01-01 |
| Indiana home price index (cumulative since 2020) | +64.9% | 2026-01-01 |
| National mortgage delinquency rate (30+ day, single-family) | 1.89% | 2026-01-01 |
Sources: Federal Housing Finance Agency state house price indices (FRED series INSTHPI); Federal Reserve Board, Mortgage Delinquency 30+Day Rate on Single-Family Residential Mortgages (FRED series DRSFRMACBS). Updated quarterly. Free public data.
Local-market benchmark
Demographics of the ZIPs where filings cluster, weighted by filing count and benchmarked against Census ACS 2023 5-year:
| Indicator | Filing-weighted average |
|---|---|
| Median household income (where filings cluster) | $75,592 |
| Median home value | $211,925 |
| Owner-occupancy rate | 76.6% |
| Renter share of households | 23.4% |
| Median gross rent | $1,076/mo |
Source: U.S. Census Bureau ACS 5-year estimates, weighted by Keystone's filing volume across 5 top ZIPs.
Most active foreclosure plaintiffs in Elkhart County
Top mortgage holders and servicers named in foreclosure complaints filed in this county. Lender names are normalized to collapse common legal-suffix variants (e.g. "as Trustee for X Trust", "N.A.").
| Plaintiff | Foreclosure filings |
|---|---|
| AMERIHOME MORTGAGE COMPANY, LLC | 1 |
| FIRST STATE BANK OF MIDDLEBURY | 1 |
| FREEDOM MORTGAGE CORPORATION | 1 |
| HABITAT FOR HUMANITY OF ELKHART COUNTY, INC | 1 |
| U.S. BANK N.A | 1 |
Source: plaintiff names extracted from Elkhart County foreclosure complaint text. Court records are public information.
Market Absorption & Turnover Analysis
107 court filings tracked with 0 resolved (0.0% absorption rate). The court system is accumulating cases faster than they resolve, creating a growing backlog of 107 active cases.
| Month | New Filings | Resolved | Net | Inflow | Absorption |
|---|---|---|---|---|---|
| Jan 2026 | 98 | 0 | +98 | 0.0% | |
| Apr 2026 | 2 | 0 | +2 | 0.0% | |
| May 2026 | 3 | 0 | +3 | 0.0% | |
| Jun 2026 | 4 | 0 | +4 | 0.0% |
Resolution by Case Type
| Case Type | Filed | Resolved | Absorption | Avg Days |
|---|---|---|---|---|
| Divorce | 57 | 0 | 0.0% | n/a |
| Pre-Foreclosure | 22 | 0 | 0.0% | n/a |
| Probate | 17 | 0 | 0.0% | n/a |
| Guardianship | 9 | 0 | 0.0% | n/a |
Absorption rate measures the percentage of filed cases that have reached a terminal resolution (judgment, dismissal, settlement, or sale). A low absorption rate indicates a growing backlog of active cases in the court system. Resolution timing based on 0 resolved cases out of 107 total filings.
Why these filings are invisible on most public foreclosure sites
The largest public foreclosure-aggregator interfaces surface only post-auction bank-owned properties in Indiana. Pre-foreclosure court filings are not visible to their non-paying users. Keystone tracks the court filing the day it hits the docket, weeks or months before any property reaches the auction stage those aggregators surface.
Methodology and full audit: Court-vs-aggregator coverage gap report.
Methodology and data sources
- Court filings are collected directly from Elkhart County court records, which are public information.
- Every filing in this dataset has been verified for current owner-of-record. Entity-owned filings (LLCs, trusts, banks) and properties where the named party is not the current owner are excluded.
- Property value figures come from third-party enrichment (100% coverage on this dataset).
- Individual case data, defendant names, and property addresses are not published. Reports show aggregated statistics only.
- The methodology page at /reports/methodology documents data sources, sample sizes, and known limitations in detail.
- This report was generated 2026-06-16 from the live database. Numbers reflect the dataset at that moment.
Filing volume trend (last 3 months)
Property-related court filings tracked in Elkhart County by calendar month. Trend signal on whether distress activity is rising or cooling in this market.
| Month | Filings |
|---|---|
| Apr 2026 | 2 |
| May 2026 | 3 |
| Jun 2026 (partial — month in progress) | 4 |
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Cite: Keystone Court Data, "Elkhart County Indiana Court Filings Intelligence," 2026-06-16, https://keystonecourtdata.com/reports/elkhart-in-court-filings-intelligence · Download data (CSV)