316 Bay Ridge Dr, Pendleton, IN 46064 Property Records

Madison County property record for 316 Bay Ridge Dr, Pendleton, IN 46064 · Last verified August 2026

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 2,318 sqft · built 2023
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$486,335 (Dec 2022)
Tax Bill	$5,231 (2025)
Deeds & Mortgages	Dec 2022 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`48-14-09-500-003.001-013`

Property Details

APN / Parcel Number

Primary APN	`48-14-09-500-003.001-013`
Alternative APN	`00033027655`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,318 sqft Living Area
1st Floor Area	2,318 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Condo/Apartment
Construction Type	Brick
Roof Material	Other
Lot Area	14,375 sqft (0.33 acres)
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00033027655
Street Address	316 BAY RIDGE DR
City	PENDLETON
State	IN
Zip	46064-9632
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	PENDLE POINTE SEC 3 LOT 67 (0.33AC)
Legal Lot Number	67
Jurisdiction	MADISON IN
Township / Civil Division	FALL CREEK
Census Block Group	1
Census Block	1074
Census Tract	11501

Owner

Source: Madison County records · APN 48-14-09-500-003.001-013

Assessment roll updated June 23, 2026 · Last verified August 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	316 BAY RIDGE DR, PENDLETON, IN 46064-9632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 09, 2022 · Amount on Record
Deed Sale	Dec 09, 2022 · Amount on Record
Deed Document Number	202220257
Record Updated	Sep 20, 2026

December 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MADISON IN
Recording Date	Dec 09, 2022
Property Address	316 BAY RIDGE DR, PENDLETON, IN 46064-9632
Document Number	2022R20257
Map Reference	IN 2021R002915
Instrument Date	Dec 05, 2022
Instrument	2022R20257
Transaction Type	Construction Loan
Record Updated	Jun 23, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	2497 DUTCHWOOD LN, MANTECA, CA 95336-5153

Mortgage

Document Number	2022R20258
Date	Dec 09, 2022
Instrument	2022R20258

Lender

Name	FIRST MERCHANTS BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Max Rate At Change	11.3%
Index	Other
Margin	3

Tax Assessment & Valuation

Source: Madison County records · Assessment roll updated June 23, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Madison County
County Subdivision	Fall Creek Township
Municipality	Pendleton Town
Unified School District	South Madison Community School Corporation (KG - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,231.00 (+8.35%) Homeowner's exemption	$538,700 (+179,466.67%) Land $49,900 Building $488,800	$538,700 (+179,466.67%) Land $49,900 Building $488,800
2024	$4,828.00 (+80,366.67%)
2023		$300 (-) Land $300	$300 (-) Land $300
2022	$6.00	$300 Land $300	$300 Land $300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Madison County (18095C), updated August 10, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 5% of the US · above 32% of Indiana
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 6 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Mercury Broadband, ALTIUS Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.