Hamilton County property record for 10978 Windjammer Dr N, Indianapolis, IN 46256
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,631 sqft · built 1987 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Individual Name on File |
| Last Sale | $370,000 (Oct 2020) |
| Tax Bill | $5,809 (2024) |
| Deeds & Mortgages | Nov 2023 Line of Credit Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-15-09-404-002.000-020 |
| Primary APN | 29-15-09-404-002.000-020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,631 sqft Living Area |
| 1st Floor Area | 1,405 sqft |
| 2nd Floor Area | 1,279 sqft |
| Basement Area | 1,147 sqft |
| Finished Basement | 947 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Architectural Style | Other |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 17,860 sqft (0.41 acres) |
| Lot Dimensions | 160 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 673 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 595 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 1315090404002000 |
|---|---|
| Old Parcel Number | 291509404002000033 |
| Street Address | 10978 WINDJAMMER DR N |
| City | INDIANAPOLIS |
| State | IN |
| Zip | 46256-9669 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .41, SECTION 9, TOWNSHIP 17, RANGE 5, WINDJAMMER BAY, LOT 16 |
| Legal Range | 05 |
| Legal Township | 17 |
| Legal Section | 09 |
| Legal Subdivision | WINDJAMMER BAY |
| Legal Lot Number | 16 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | FALL CREEK |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 110805 |
10978 Windjammer Dr N is owned and occupied by an individual who bought it in October 2020.
Source: Hamilton County records, as of March 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 10978 WINDJAMMER DR N, INDIANAPOLIS, IN 46256-9669 |
| 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.
| Date | Document |
|---|---|
| Nov 1, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK |
| Oct 1, 2020 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Jun 12, 2020 | Warranty Deed, Transfer · Construction Mortgage OTHER INSTITUTIONAL LENDERS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2020 · Amount on File |
| Deed Sale | Oct 1, 2020 · Amount on File |
| Prior Sale | Jun 12, 2020 · Amount on File |
| Deed Document Number | 2020069672 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 10978 WINDJAMMER DR N, INDIANAPOLIS, IN 46256-9669 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000041843 |
|---|---|
| Date | Nov 1, 2023 |
| Instrument | 2023041843 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45246 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Oct 10, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Oct 1, 2020 |
| Property Address | 10978 WINDJAMMER DR N, INDIANAPOLIS, IN 46256-9669 |
| Document Number | 2020069672 |
| Map Reference | MB 12 PG 179-182 |
| Instrument Date | Sep 30, 2020 |
| Instrument | 2020069672 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10978 WINDJAMMER DR N, INDIANAPOLIS, IN 46256-9669 |
| Document Number | 2020069673 |
|---|---|
| Date | Oct 1, 2020 |
| Instrument | 2020069673 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Jun 12, 2020 |
| Property Address | 10978 WINDJAMMER DR N, INDIANAPOLIS, IN 46256-9669 |
| Document Number | 0000036120 |
| Instrument Date | Jun 10, 2020 |
| Instrument | 36120 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 14350 MUNDY DR #800 NOBLESVILLE IN 460607229, 800, NOBLESVILLE, IN 46060-7229 |
| Document Number | 36121 |
|---|---|
| Date | Jun 12, 2020 |
| Instrument | 36121 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Bank |
| Address | INDIANAPOLIS, IN 46280 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jun 11, 2021 |
Source: Hamilton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Fall Creek Township |
| Municipality | Fishers City |
| Unified School District | Hamilton Southeastern Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $547,400 (+11.78%) Land $68,400 Building $479,000 | $547,400 (+11.78%) Land $68,400 Building $479,000 | |
| 2024 | $5,809.00 (+10.92%) | $489,700 (+10.82%) Land $68,400 Building $421,300 | $489,700 (+10.82%) Land $68,400 Building $421,300 |
| 2023 | $5,237.00 (+3.11%) Homeowner's exemption | $441,900 (+5.31%) Land $70,200 Building $371,700 | $441,900 (+5.31%) Land $70,200 Building $371,700 |
| 2022 | $5,079.00 Homeowner's exemption | $419,600 Land $70,200 Building $349,400 | $419,600 Land $70,200 Building $349,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10978 Windjammer Dr N in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1990.
Source: FEMA National Flood Hazard Layer, effective October 5, 2026 · 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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (1990) |
| Most Recent Claim | Dec 1990 · Severe Storms & Flooding |
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 risk around 10978 Windjammer Dr N is low, with less than 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 98% of the US · lower than 85% of Indiana |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITIZENS WATER - INDIANAPOLIS serves 880,345 people · EPA ID IN5249004 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2024 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 260 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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