3149 E 900 S, Flat Rock, IN 47234 Property Records

Shelby County property record for 3149 E 900 S, Flat Rock, IN 47234

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1995
Lot Size	4.1 acres (178,596 sqft)
Owner	Individual Name on File
Last Sale	$307,428 (Jun 2025)
Tax Bill	$1,170 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jun 2025 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`73-15-23-100-108.000-014`

Property Details

APN / Parcel Number

Primary APN	`73-15-23-100-108.000-014`
Alternative APNs	`00642224996` `0051205600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1998
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	178,596 sqft (4.1 acres)
Porch	Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00642224996
Street Address	3149 E 900 S
City	FLAT ROCK
State	IN
Zip	47234-9724
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW 23 11 7 4.10A
Jurisdiction	SHELBY IN
Township / Civil Division	NOBLE
Census Block Group	2
Census Block	2074
Census Tract	710900

Owner

Source: Shelby County assessment roll, 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	Individual Name on File
Mailing Address	3149 E 900 S, FLAT ROCK, IN 47234-9724
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed of Trust, Mortgage · FHA Mortgage SWIFT HOME LOANS INC
Jun 30, 2025	Warranty Deed, Transfer · FHA Mortgage LOWER LLC
Dec 12, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 18, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Mar 3, 2021	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
May 13, 2020	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 18, 2019	Deed of Trust, Mortgage · FHA Mortgage CHOU TEAM REALTY LLC
Oct 30, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 30, 2025 · Amount on Record
Deed Sale	Jun 30, 2025 · Amount on Record
Prior Sale	Aug 4, 2014 · Amount on Record
Deed Document Number	20252969
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IN
Recording Date	Apr 13, 2026
Property Address	3149 E 900 S, FLAT ROCK, IN 47234-9724
Document Number	0000001852
Instrument Date	Apr 7, 2026
Instrument	20261852
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3149 E 900 S, FLAT ROCK, IN 47234-9724

Mortgage

Document Number	0000001852,
Date	Apr 13, 2026
Instrument	20261852

Lender

Name	SWIFT HOME LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY IN
Recording Date	Jun 30, 2025
Property Address	3149 E 900 S, FLAT ROCK, IN 47234-9724
Document Number	2025002969
Instrument Date	Jun 27, 2025
Instrument	2025002969
Transaction Type	Transfer
Record Updated	Feb 13, 2026
Title Company	SECURITY TITLE SERVICES

Transaction

Tax	$0.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3149 E 900 S, FLAT ROCK, IN 47234-9724

Mortgage

Document Number	2025002970
Date	Jun 30, 2025
Instrument	2025002970

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IN
Property Address	3149 E 900 S, FLAT ROCK, IN 47234-9724
Transaction Type	Mortgage
Record Updated	Jan 10, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3149 E 900 S, FLAT ROCK, IN 47234-9724

Mortgage

Document Number	2022007342
Date	Dec 12, 2022
Instrument	2022007342

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Dec 1, 2051

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IN
Property Address	3149 E 900 S, FLAT ROCK, IN 47234-9724
Transaction Type	Mortgage
Record Updated	Mar 3, 2022
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021008458
Date	Nov 18, 2021
Instrument	2021008458

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IN
Property Address	3149 E 900 S, FLAT ROCK, IN 47234-9724
Transaction Type	Mortgage
Record Updated	Apr 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3149 E 900 S, FLAT ROCK, IN 47234-9724

Mortgage

Document Number	2021001772
Date	Mar 3, 2021
Instrument	2021001772

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IN
Property Address	3149 E 900 S, FLAT ROCK, IN 47234-9724
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	NATIONAL TITLE SOLUTIONS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020002425
Date	May 13, 2020
Instrument	2020002425

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IN
Property Address	3149 E 900 S, FLAT ROCK, IN 47234-9724
Transaction Type	Mortgage
Record Updated	Aug 21, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019003556
Date	Jul 18, 2019
Instrument	2019003556

Lender

Name	CHOU TEAM REALTY LLC
Type	Non-Lending Institution
Address	LAKE FOREST, CA 92630

Agreement

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

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IN
Property Address	3149 E 900 S, FLAT ROCK, IN 47234-9724
Transaction Type	Mortgage
Record Updated	Dec 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017005969
Date	Oct 30, 2017
Instrument	2017005969

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

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	$1,170.00 (-4.65%) Homeowner's exemption	$175,800 (+7.99%) Land $31,000 Building $144,800	$175,800 (+7.99%) Land $31,000 Building $144,800
2024	$1,227.00 (-1.52%)
2023	$1,246.00 (-4.89%)	$162,800 (-) Land $31,000 Building $131,800	$162,800 (-) Land $31,000 Building $131,800
2022	$1,310.00	$162,800 Land $31,000 Building $131,800	$162,800 Land $31,000 Building $131,800

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 500 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 94% of the US · above 40% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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