Public water system · IN2710079
ActiveCapital Cove/M & L Financial Solutions
At a glance
Capital Cove/M & L Financial Solutions (PWSID IN2710079) is an active transient non-community water system in St. Joseph County, Indiana. It reports serving 213 people through 1 service connection. Its primary water source is groundwater, and EPA lists it as privately owned. EPA's records list one violation for this system; it is not health-based, and the most recent began in September 2017.
Dataset updated . Source: EPA SDWIS/ECHO public records.
Population served
213
Service connections
1
Primary source
GW
Groundwater
System type
TNCWS
Transient non-community water system
System record
How does Capital Cove/M & L Financial Solutions compare with other water systems in St. Joseph County?
By EPA's size categories, Capital Cove/M & L Financial Solutions is a very small system (500 people or fewer). St. Joseph County has 221 active public water systems. Its population served is well below the county average of 989 people per system, and accounts for less than 0.1% of the 218,558 people reported by systems filed under the county. Across Indiana, the 3,969 active systems average 1,456 people each. Nationally, the average active transient non-community water system reports serving 144 people, so Capital Cove/M & L Financial Solutions is about 48% above that figure.
What does “transient non-community water system” mean?
A transient non-community water system serves places where people do not stay long, such as gas stations and campgrounds, and regularly serves at least 25 people a day for at least 60 days a year. Indiana has 2,596 active transient non-community water systems, 65% of the state's 3,969 active systems. Groundwater means the system draws its water from wells or springs fed by underground aquifers. 3,769 Indiana systems (95%) list groundwater as their primary source.
Who owns and regulates Capital Cove/M & L Financial Solutions?
EPA lists Capital Cove/M & L Financial Solutions as privately owned. The IN state drinking water program is its primacy agency, the regulator with primary enforcement responsibility for the system under the Safe Drinking Water Act. 199 of the 221 active systems in St. Joseph County (90%) are also privately owned.
Does Capital Cove/M & L Financial Solutions have drinking water violations?
EPA's records list one violation for this system; it is not health-based, and the most recent began in September 2017. By type: 1 monitoring and reporting. The contaminant or rule involved is E. coli. EPA lists 1 as resolved. Resolved means at least one resolving action is on record: the system returned to compliance, the rule no longer applies, or no further action was needed.
| Began | Violation | Contaminant or rule | Health-based | Status |
|---|---|---|---|---|
| 2017-09-26 | Monitoring and reportingMonitoring, Source Water (GWR) · code 34 | E. colicode 3014 | No | Resolved |
The one violation in EPA's records.Labels and codes come from EPA's SDWIS reference tables. A monitoring or reporting violation means a required test or report was missed or late; it does not by itself mean a contaminant was found. "Health-based" marks violations of a legal limit or required treatment.
Capital Cove/M & L Financial Solutions: frequently asked questions
Who runs Capital Cove/M & L Financial Solutions?
Capital Cove/M & L Financial Solutions (PWSID IN2710079) is a transient non-community water system privately owned. It is regulated by the IN state drinking water program.
How many people does Capital Cove/M & L Financial Solutions serve?
Capital Cove/M & L Financial Solutions reports serving 213 people through 1 service connection in St. Joseph County, Indiana.
Where does Capital Cove/M & L Financial Solutions get its water?
EPA SDWIS lists this system's primary water source as groundwater. Groundwater means the system draws its water from wells or springs fed by underground aquifers.
Does Capital Cove/M & L Financial Solutions have any drinking water violations?
EPA's records list one violation for this system; it is not health-based, and the most recent began in September 2017. A monitoring or reporting violation means a required test or report was missed or late; it does not by itself mean a contaminant was found.
Is Capital Cove/M & L Financial Solutions' water safe to drink?
AquaCensus shows EPA compliance records, not current water test results, so it cannot say whether the water is safe at a given moment. EPA's records list one violation for this system; it is not health-based, and the most recent began in September 2017. For current results, consult EPA ECHO, or the IN state drinking water program.
Where can I find Capital Cove/M & L Financial Solutions' water quality report?
The annual Consumer Confidence Report requirement applies to community water systems. Capital Cove/M & L Financial Solutions is a transient non-community water system, so it is not required to publish one; like every public water system, it must notify the people it serves about violations under EPA's public notification rules.
Other water systems in St. Joseph County
| Water system | County | Population served | Type | Source |
|---|---|---|---|---|
| South Bend Water Works | St. Joseph | 115,000 | Community | Groundwater |
| Mishawaka Utilities | St. Joseph | 49,675 | Community | Groundwater |
| University of Notre Dame | St. Joseph | 7,400 | Community | Groundwater |
| Walkerton Light & Water | St. Joseph | 2,262 | Community | Groundwater |
| Sisters of Holy Cross-St. Marys College | St. Joseph | 2,111 | Community | Groundwater |
| North Liberty Water Works | St. Joseph | 1,896 | Community | Groundwater |
Related pages
Working with water-system records? Pro adds alerts, change history and CSV export ($49/mo); Enterprise adds full national files, the API and an MCP server for AI tools.
About this data
Source: U.S. EPA Safe Drinking Water Information System (SDWIS) and SDWA violation records, via EPA ECHO, as published October 1, 2026 — AquaCensus refreshes it quarterly. See the methodology for how records are matched, cleaned and scored.
Cite as: AquaCensus, “Capital Cove/M & L Financial Solutions, PWSID IN2710079, Indiana”, https://aquacensus.com/water-systems/indiana/capital-cove-m-l-financial-solutions-in2710079 (data as of October 1, 2026).