2549 E Vandalia Rd, Flat Rock, IN 47234 Property Records

Shelby County property record for 2549 E Vandalia Rd, Flat Rock, IN 47234

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,736 sqft · built 2005
Lot Size	2.95 acres (128,502 sqft)
Owner	2 Individual Names on Record
Last Sale	$347,000 (May 2022)
Tax Bill	$19 (2025)
Deeds & Mortgages	Jun 2018 Line of Credit Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`73-15-22-200-045.000-014`

Property Details

APN / Parcel Number

Primary APN	`73-15-22-200-045.000-014`
Alternative APN	`00056862773`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,736 sqft Living Area
1st Floor Area	1,736 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2014
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	128,502 sqft (2.95 acres)
Terrain	Wooded
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	459 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00056862773
Street Address	2549 E VANDALIA RD
City	FLAT ROCK
State	IN
Zip	47234-9749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THOMAS SIMPLE SUBDIVISION LOT 1 PT W2 NE 22 11 7 2.95 AC SEE NOTES
Legal Subdivision	THOMAS SIMPLE SUBDIVISION
Legal Lot Number	1
Jurisdiction	SHELBY IN
Township / Civil Division	NOBLE
Census Block Group	2
Census Block	2024
Census Tract	710900

Owner

Source: Shelby County records, as of June 23, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2549 E VANDALIA RD, FLAT ROCK, IN 47234-9749
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2018	Deed of Trust, Mortgage · Line of Credit CENTRAL CU
Oct 26, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 17, 2022	Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC
Apr 16, 2019	Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2022 · Amount on Record
Deed Sale	May 17, 2022 · Amount on Record
Prior Sale	Apr 16, 2019 · Amount on Record
Deed Document Number	20223192
Record Updated	Sep 20, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IN
Property Address	2549 E VANDALIA RD, FLAT ROCK, IN 47234-9749
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018003518
Date	Jun 27, 2018
Instrument	2018003518

Lender

Name	CENTRAL CU
Type	Credit Union
Address	COLUMBUS, IN 47201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 26, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IN
Property Address	2549 E VANDALIA RD, FLAT ROCK, IN 47234-9749
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2549 E VANDALIA RD, FLAT ROCK, IN 47234-9749

Mortgage

Document Number	2020006161
Date	Oct 26, 2020
Instrument	2020006161

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	343 Months
Due	May 1, 2049

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY IN
Recording Date	May 17, 2022
Property Address	2549 E VANDALIA RD, FLAT ROCK, IN 47234-9749
Document Number	2022003192
Map Reference	DOC 2018004859
Instrument Date	May 13, 2022
Instrument	2022003192
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	CHICAGO TITLE COMPANY/CA, CHICAGO TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2549 E VANDALIA RD, FLAT ROCK, IN 47234-9749

Mortgage

Document Number	2022003193
Date	May 17, 2022
Instrument	2022003193

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY IN
Recording Date	Apr 16, 2019
Property Address	2549 E VANDALIA RD, FLAT ROCK, IN 47234-9749
Document Number	2019001701
Map Reference	DOC 2004003550
Instrument Date	Apr 5, 2019
Instrument	2019001701
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	TITLE SOLUTIONS PLUS CORPORATION, TITLE SOLUTIONS PLUS CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2549 E VANDALIA RD, FLAT ROCK, IN 47234-9749

Mortgage

Document Number	2019001702
Date	Apr 16, 2019
Instrument	2019001702

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

Source: Shelby County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Shelby County
County Subdivision	Noble Township
Unified School District	Shelby Eastern Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$19.00 (-9.52%)	$209,300 (+18.25%) Land $16,800 Building $192,500	$209,300 (+18.25%) Land $16,800 Building $192,500
2024	$21.00
2023		$177,000 (-0.9%) Land $16,700 Building $160,300	$177,000 (-0.9%) Land $16,700 Building $160,300
2022		$178,600 Land $16,400 Building $162,200	$178,600 Land $16,400 Building $162,200

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 November 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	16 (1993–2008)
Claims Outside the SFHA	1 of 16
Most Recent Claim	Jun 2008 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 6 claims Severe Winter Storms And Flooding, Jan 2005 · 4 claims

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

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

Wildfire Risk	Low lower than 96% of the US · lower than 73% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Xfinity Fiber	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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