12325 E 86th St, Indianapolis, IN 46236 Property Records

Marion County property record for 12325 E 86th St, Indianapolis, IN 46236

Property Summary

Property Type	Single Family Home
Details	2 ba · 4,886 sqft · built 1998
Lot Size	2.28 acres (99,404 sqft)
Owner	Individual Name on Record
Tax Bill	$6,905 (2023)
Deeds & Mortgages	Sep 2020 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`49-01-22-125-001.000-407`

Property Details

APN / Parcel Number

Primary APN	`49-01-22-125-001.000-407`
Alternative APN	`4038358`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	4,886 sqft Living Area
Gross Area	6,270 sqft
1st Floor Area	2,698 sqft
2nd Floor Area	1,238 sqft
Attic	Attic
Attic Area	950 sqft
Basement Area	1,384 sqft
Finished Basement	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2010
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	99,404 sqft (2.28 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	950 sqft
Parking Spaces	7 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	4038358
Old Parcel Number	4038358
Street Address	12325 E 86TH ST
City	INDIANAPOLIS
State	IN
Zip	46236-6513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	CARRARO ESTATES L 1
Legal Range	05
Legal Township	17
Legal Section	22
Legal Subdivision	CARRARO ESTATES
Legal Lot Number	1
Jurisdiction	MARION IN
Township / Civil Division	LAWRENCE
Census Block Group	3
Census Block	3001
Census Tract	330206

Owner

Source: Marion County records, as of May 10, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	12325 E 86TH ST, INDIANAPOLIS, IN 46236-6513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST OPTION MORTGAGE LLC
Aug 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST OPTION MORTGAGE LLC
May 7, 2018	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LENDING GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2018
Deed Sale	May 7, 2018
Prior Sale	Oct 2, 2014
Deed Document Number	A201800044818
Record Updated	Jun 7, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION IN
Property Address	12325 E 86TH ST, INDIANAPOLIS, IN 46236-6513
Transaction Type	Mortgage
Record Updated	Aug 8, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000104579
Date	Sep 18, 2020
Instrument	A202000104579

Lender

Name	FIRST OPTION MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2035

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION IN
Property Address	12325 E 86TH ST, INDIANAPOLIS, IN 46236-6513
Transaction Type	Mortgage
Record Updated	Aug 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000077199
Date	Aug 13, 2019
Instrument	A201900077199

Lender

Name	FIRST OPTION MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2034

Interest

Rate Type	Fixed Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION IN
Recording Date	May 7, 2018
Property Address	12325 E 86TH ST, INDIANAPOLIS, IN 46236-6513
Document Number	0000044818
Map Reference	IN 1997-190250
Instrument Date	Apr 24, 2018
Instrument	A201800044818
Transaction Type	Transfer
Record Updated	Aug 8, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12325 E 86TH ST, INDIANAPOLIS, IN 46236-6513

Mortgage

Document Number	0000044819
Date	May 7, 2018
Instrument	A201800044819

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Marion County assessment roll, as of July 1, 2023

Property Jurisdictions

Type	Name
State	Indiana
County	Marion County
County Subdivision	Lawrence Township
Municipality	Lawrence City
Unified School District	Lawrence Township Metropolitan School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$6,905.00 (-0.2%) Homeowner's exemption	$604,000 (+1.46%) Land $75,300 Building $528,700	$604,000 (+1.46%) Land $75,300 Building $528,700
2022	$6,919.00 (+5.3%) Homeowner's exemption	$595,300 Land $75,300 Building $520,000	$595,300 Land $75,300 Building $520,000
2021	$6,571.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 7, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 94% of the US · lower than 63% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF LAWRENCE UTILITIES serves 49,000 people · EPA ID IN5249005
Water Source	Groundwater
Last State Inspection	May 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb
Copper	1.4 mg/L (2015–2017) action level 1.3 mg/L

Violations Reported to EPA

Listed by EPA as a serious violator.

Water Quality	Total trihalomethanes not recorded as resolved · Jan 2026 E. coli resolved · Aug 2021
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 208 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Central Indiana Communications.

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