2550 E 186th St, Westfield, IN 46074 Property Records

Hamilton County property record for 2550 E 186th St, Westfield, IN 46074

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,437 sqft · built 2007
Lot Size	7.9 acres (344,124 sqft)
Owner	2 Trust Names on File
Tax Bill	$4,119 (2024)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`29-06-30-000-012.003-014`

Property Details

APN / Parcel Number

Primary APN	`29-06-30-000-012.003-014`
Alternative APN	`0806300000012003`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,437 sqft Living Area
1st Floor Area	1,262 sqft
2nd Floor Area	1,188 sqft
Basement Area	1,262 sqft
Finished Basement	987 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Architectural Style	Other
Roof Material	Asphalt
Lot Area	344,124 sqft (7.9 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Lean-To	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0806300000012003
Street Address	2550 E 186TH ST
City	WESTFIELD
State	IN
Zip	46074-9683
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE 7.90, SECTION 30, TOWNSHIP 19, RANGE 4
Legal Range	04
Legal Township	19
Legal Section	30
Legal Subdivision	WASHINGTON
Jurisdiction	HAMILTON IN
Township / Civil Division	WESTFIELD WASHINGTON
Census Block Group	3
Census Block	3036
Census Tract	110516

Owner

2550 E 186th St is owner-occupied and held in a trust since February 2021.

Source: Hamilton County records, as of March 4, 2026

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	2550 E 186TH ST, WESTFIELD, IN 46074-9683
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2021	Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage INDIANA MEMBERS CU
Jan 16, 2019	Deed of Trust, Mortgage · Line of Credit INDIANA MEMBERS CU

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jul 1, 2009
Deed Sale	Jul 1, 2009
Prior Sale	Jul 1, 2009 · Amount on File
Deed Document Number	0000039976
Last Transfer Date	Feb 12, 2021
Transfer Doc	0000011353
Record Updated	Jun 8, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON IN
Recording Date	Feb 12, 2021
Property Address	2550 E 186TH ST, WESTFIELD, IN 46074-9683
Document Number	0000011353
Instrument Date	Feb 5, 2021
Instrument	2021011353
Transaction Type	Transfer
Record Updated	Oct 6, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	2550 E 186TH ST, WESTFIELD, IN 46074-9683

Mortgage

Document Number	0000011054
Date	Feb 12, 2021
Instrument	2021011054

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Feb 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	2550 E 186TH ST, WESTFIELD, IN 46074-9683
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000084926
Date	Nov 19, 2020
Instrument	2020084926

Lender

Name	INDIANA MEMBERS CU
Type	Credit Union
Address	INDIANAPOLIS, IN 46240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2035

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	2550 E 186TH ST, WESTFIELD, IN 46074-9683
Document Number	0000002347
Instrument Date	Jan 16, 2019
Transaction Type	Mortgage
Record Updated	Feb 14, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2550 E 186TH ST WESTFIELD IN 460749683, WESTFIELD, IN 46074-9683

Mortgage

Document Number	0000002347
Date	Jan 22, 2019
Instrument	2347

Lender

Name	INDIANA MEMBERS CU
Type	Credit Union
Address	INDIANAPOLIS, IN 46240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 21, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Hamilton County
County Subdivision	Westfield Washington Township
Unified School District	Westfield-Washington Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$396,600 (+5.06%) Land $103,700 Building $292,900	$396,600 (+5.06%) Land $103,700 Building $292,900
2024	$4,119.00 (+8.45%)	$377,500 (+7.12%) Land $59,800 Building $317,700	$377,500 (+7.12%) Land $59,800 Building $317,700
2023	$3,798.00 (+5.79%)	$352,400 (+9.58%) Land $57,100 Building $295,300	$352,400 (+9.58%) Land $57,100 Building $295,300
2022	$3,590.00	$321,600 Land $54,600 Building $267,000	$321,600 Land $54,600 Building $267,000

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

Flood

FEMA maps place 2550 E 186th St in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 5, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force

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

Wildfire risk around 2550 E 186th St 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 95% of the US · lower than 68% 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	CITIZENS WATER OF WESTFIELD, LLC private · serves 61,493 people · EPA ID IN5229009
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Metronet.

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