3225 E 186th St, Westfield, IN 46074 Property Records

Hamilton County property record for 3225 E 186th St, Westfield, IN 46074

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,695 sqft · built 1992
Lot Size	1.71 acres (74,488 sqft)
Owner	Individual Name on Record
Tax Bill	$4,836 (2024)
Deeds & Mortgages	Jan 2020 Line of Credit Sep 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`29-06-31-000-009.003-014`

Property Details

APN / Parcel Number

Primary APN	`29-06-31-000-009.003-014`
Alternative APN	`0806310000009003`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,695 sqft Living Area
1st Floor Area	1,083 sqft
2nd Floor Area	1,119 sqft
Attic	Attic
Attic Area	528 sqft
Basement Area	1,065 sqft
Finished Basement	965 sqft
Game Room	Game Room

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2006
Architectural Style	Other
Roof Material	Asphalt
Lot Area	74,488 sqft (1.71 acres)
Lot Dimensions	348 ft deep x 220 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	0806310000009003
Street Address	3225 E 186TH ST
City	WESTFIELD
State	IN
Zip	46074-9683
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE 1.71, SECTION 31, TOWNSHIP 19, RANGE 4, CANARY MEADOWS, LOT 3
Legal Range	04
Legal Township	19
Legal Section	31
Legal Subdivision	CANARY MEADOWS
Legal Lot Number	3
Jurisdiction	HAMILTON IN
Township / Civil Division	WESTFIELD WASHINGTON
Census Block Group	1
Census Block	1016
Census Tract	110401

Owner

Source: Hamilton County records, as of March 5, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3225 E 186TH ST, WESTFIELD, IN 46074-9683
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2020	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 9, 2021	Warranty Deed, Transfer · Conventional Mortgage THE NATIONAL BANK OF INDIANAPOLIS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2021
Deed Sale	Sep 9, 2021
Prior Sale	Jun 27, 2014
Deed Document Number	2021066019
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	3225 E 186TH ST, WESTFIELD, IN 46074-9683
Transaction Type	Mortgage
Record Updated	Aug 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001183
Date	Jan 9, 2020
Instrument	2020001183

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 9, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Sep 9, 2021
Property Address	3225 E 186TH ST, WESTFIELD, IN 46074-9683
Document Number	0000066019
Map Reference	MB 10 PG 59
Instrument Date	Sep 8, 2021
Instrument	2021066019
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3225 E 186TH ST, WESTFIELD, IN 46074-9683

Mortgage

Document Number	0000066020
Date	Sep 9, 2021
Instrument	2021066020

Lender

Name	THE NATIONAL BANK OF INDIANAPOLIS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

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		$468,500 (+8.9%) Land $122,000 Building $346,500	$468,500 (+8.9%) Land $122,000 Building $346,500
2024	$4,836.00 (+10.59%)	$430,200 (+6.64%) Land $59,200 Building $371,000	$430,200 (+6.64%) Land $59,200 Building $371,000
2023	$4,373.00 (+4.97%)	$403,400 (+9.59%) Land $59,200 Building $344,200	$403,400 (+9.59%) Land $59,200 Building $344,200
2022	$4,166.00	$368,100 Land $59,200 Building $308,900	$368,100 Land $59,200 Building $308,900

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 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
Nearby Flood Policies	7 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 78% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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