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3104 Cluster Pine Dr, Indianapolis, IN 46235 Property Records

Marion County property record for 3104 Cluster Pine Dr, Indianapolis, IN 46235

Property Summary

Property TypeSingle Family Home
Details2 ba · 2,952 sqft · built 2002
Lot Size0.332 acres (14,505 sqft)
OwnerIndividual Name on File
Last Sale$240,000 (Mar 2021)
Tax Bill$2,684 (2023)
Deeds & MortgagesMar 2021 Sale & Mortgage
Jul 2017 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN49-08-22-124-032.000-700

Property Details

APN / Parcel Number

Primary APN49-08-22-124-032.000-700
Alternative APN
  • 7044015

Interior

Full Baths2 Baths
Half Baths1 Half Bath
Plumbing Fixtures11 Plumbing Fixtures
Stories2 Stories
Building Area2,952 sqft Living Area
Gross Area4,248 sqft
1st Floor Area1,296 sqft
2nd Floor Area1,656 sqft
Basement Area1,296 sqft
Fireplaces2 Fireplaces
FireplaceMasonry

Exterior

Year BuiltBuilt 2002
Construction TypeMasonry / Concrete Block
Lot Area14,505 sqft (0.332 acres)
TerrainRolling
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number7044015
Old Parcel Number7044015
Street Address3104 CLUSTER PINE DR
CityINDIANAPOLIS
StateIN
Zip46235-5820
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeZO01
Legal DescriptionWARREN PINES SEC 1A L 19
Legal Range05
Legal Township16
Legal Section22
Legal SubdivisionWARREN PINES SEC 1A
Legal Lot Number19
JurisdictionMARION IN
Township / Civil DivisionWARREN
Census Block Group1
Census Block1001
Census Tract360407

Owner

3104 Cluster Pine Dr is owned and occupied by an individual who bought it in March 2021.

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

Owner of RecordIndividual Name on File
Mailing Address3104 CLUSTER PINE DR, INDIANAPOLIS, IN 46235-5820
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Mar 23, 2021Warranty Deed, Transfer · Conventional Mortgage
HORIZON BANK NA
Jul 11, 2017Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV
Jul 11, 2017Loan Modification, Mortgage
WELLS FARGO BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 23, 2021 · Amount on File
Deed SaleMar 23, 2021 · Amount on File
Prior SaleFeb 19, 2010
Deed Document Number0000038161
Record UpdatedJun 7, 2026

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARION IN
Recording DateMar 23, 2021
Property Address3104 CLUSTER PINE DR, INDIANAPOLIS, IN 46235-5820
Document Number0000038161
Map ReferenceIN 02-43512
Instrument DateMar 19, 2021
InstrumentA202100038161
Transaction TypeTransfer
Record UpdatedJun 13, 2023
Title CompanyMVP NATIONAL TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressIN

Transferred To (Grantee/Buyer)

NameVerified Name
Address3104 CLUSTER PINE DR, INDIANAPOLIS, IN 46235-5820

Mortgage

Document Number0000038162
DateMar 23, 2021
InstrumentA202100038162
Lender
NameHORIZON BANK NA
Agreement
TypeConventional Mortgage
AmountAmount on Record

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARION IN
Property Address3104 CLUSTER PINE DR, INDIANAPOLIS, IN 46235-5820
Document Number0000087018
Instrument DateJul 11, 2017
Transaction TypeMortgage
Record UpdatedAug 7, 2017
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3104 CLUSTER PINE DR INDIANAPOLIS IN 462355820, INDIANAPOLIS, IN 46235-5820

Mortgage

Document Number0000087018
DateAug 2, 2017
Instrument87018
Lender
NameHUD-HOUSING/URBAN DEV
AddressWASHINGTON, DC 20410-8000
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueAug 1, 2047

July 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMARION IN
Property Address3104 CLUSTER PINE DR, INDIANAPOLIS, IN 46235-5820
Document Number0000093001
Instrument DateJul 11, 2017
Transaction TypeMortgage
Record UpdatedJan 13, 2020
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3104 CLUSTER PINE DR INDIANAPOLIS IN 462355820, INDIANAPOLIS, IN 46235-5820

Mortgage

Document Number0000093001
DateAug 17, 2017
Instrument93001
Lender
NameWELLS FARGO BK
TypeBank
AddressFORT MILL, SC 29715
Agreement
AmountAmount on Record
Term360 Months
DueAug 16, 2047
Interest
Rate TypeFixed Rate
Rate4.5%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIndiana
CountyMarion County
County SubdivisionWarren Township
Consolidated CityIndianapolis City
Unified School DistrictWarren Township Metropolitan School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2023$2,684.00 (+1.55%) Homeowner's exemption$234,800 (-2%) Land $45,100 Building $189,700$234,800 (-2%) Land $45,100 Building $189,700
2022$2,643.00 (+7.75%) Homeowner's exemption$239,600 Land $45,100 Building $194,500$239,600 Land $45,100 Building $194,500
2021$2,453.00

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

Flood

FEMA maps place 3104 Cluster Pine Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 7, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies1 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 3104 Cluster Pine Dr 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 RiskLow
lower than 97% of the US · lower than 78% of Indiana
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemCITIZENS WATER - INDIANAPOLIS
serves 880,345 people · EPA ID IN5249004
Water SourceSurface water
Last State InspectionMay 2024
Lead3 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 302 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL · Fiber, Fixed Wireless in parts of the area		100 / 20

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