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3184 Cluster Pine Dr, Indianapolis, IN 46235 Property Records

Marion County property record for 3184 Cluster Pine Dr, Indianapolis, IN 46235

Property Summary

Property TypeSingle Family Home
Details2 ba · 2,316 sqft · built 2004
Lot Size0.187 acres (8,189 sqft)
OwnerIndividual Name on File
Last Sale$198,500 (Jul 2021)
Tax Bill$2,064 (2023)
Deeds & MortgagesJul 2021 Sale & Mortgage
Jul 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN49-08-22-106-022.000-700

Property Details

APN / Parcel Number

Primary APN49-08-22-106-022.000-700
Alternative APN
  • 7044240

Interior

Full Baths2 Baths
Half Baths1 Half Bath
Plumbing Fixtures10 Plumbing Fixtures
Stories2 Stories
Building Area2,316 sqft Living Area
1st Floor Area990 sqft
2nd Floor Area1,326 sqft
Fireplaces2 Fireplaces
FireplaceMasonry

Exterior

Year BuiltBuilt 2004
Construction TypeMasonry / Concrete Block
Lot Area8,189 sqft (0.187 acres)
TerrainRolling
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number7044240
Old Parcel Number7044240
Street Address3184 CLUSTER PINE DR
CityINDIANAPOLIS
StateIN
Zip46235-5821
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeZO01
Legal DescriptionWARREN PINES SEC 1B L 74
Legal Range05
Legal Township16
Legal Section22
Legal SubdivisionWARREN PINES SEC 1B
Legal Lot Number73
JurisdictionMARION IN
Township / Civil DivisionWARREN
Census Block Group1
Census Block1001
Census Tract360407

Owner

3184 Cluster Pine Dr is owned and occupied by an individual who bought it in July 2021.

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

Owner of RecordIndividual Name on File
Mailing Address3184 CLUSTER PINE DR, INDIANAPOLIS, IN 46235-5821
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
Jul 23, 2021Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Jul 14, 2020Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV
Jul 14, 2020Loan Modification, Mortgage · FHA Mortgage
US BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 23, 2021 · Amount on File
Deed SaleJul 23, 2021 · Amount on File
Prior SaleJan 13, 2005
Deed Document NumberA202100096414
Record UpdatedJun 7, 2026

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARION IN
Recording DateJul 23, 2021
Property Address3184 CLUSTER PINE DR, INDIANAPOLIS, IN 46235-5821
Document Number0000096414
Map ReferenceIN 20030051460
Instrument DateJun 29, 2021
InstrumentA202100096414
Transaction TypeTransfer
Record UpdatedFeb 9, 2023
Title CompanySTEWART 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

Transferred To (Grantee/Buyer)

NameVerified Name
Address3184 CLUSTER PINE DR, INDIANAPOLIS, IN 46235-5821

Mortgage

Document Number0000096415
DateJul 23, 2021
InstrumentA202100096415
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeFHA Mortgage
AmountAmount on Record

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARION IN
Property Address3184 CLUSTER PINE DR, INDIANAPOLIS, IN 46235-5821
Document Number0000076843
Instrument DateJul 14, 2020
Transaction TypeMortgage
Record UpdatedAug 5, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3184 CLUSTER PINE DR INDIANAPOLIS IN 462355821, INDIANAPOLIS, IN 46235-5821

Mortgage

Document Number0000076843
DateJul 22, 2020
Instrument76843
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJul 21, 2050

July 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMARION IN
Property Address3184 CLUSTER PINE DR, INDIANAPOLIS, IN 46235-5821
Document Number0000076842
Instrument DateJul 14, 2020
Transaction TypeMortgage
Record UpdatedAug 5, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3184 CLUSTER PINE DR INDIANAPOLIS IN 462355821, INDIANAPOLIS, IN 46235-5821

Mortgage

Document Number0000076842
DateJul 22, 2020
Instrument76842
Lender
NameUS BK
TypeBank
AddressMADISON HEIGHTS, MI 48071
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJul 21, 2050
Interest
Rate3.75%

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$2,064.00 (+2.33%) Homeowner's exemption$182,300 (-1.03%) Land $25,500 Building $156,800$182,300 (-1.03%) Land $25,500 Building $156,800
2022$2,017.00 (+9.32%) Homeowner's exemption$184,200 Land $25,500 Building $158,700$184,200 Land $25,500 Building $158,700
2021$1,845.00

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

Flood

FEMA maps place 3184 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 3184 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 94% of the US · lower than 63% of Indiana
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 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 104 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL · Fiber in parts of the area		100 / 20

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