394 E 975 S, Flat Rock, IN 47234 Property Records

Shelby County property record for 394 E 975 S, Flat Rock, IN 47234

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 3,158 sqft · built 1920
Lot Size	2.73 acres (118,919 sqft)
Owner	Individual Name on Record
Last Sale	$189,900 (Jun 2015)
Tax Bill	$1,581 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`73-15-20-300-002.000-021`

Property Details

APN / Parcel Number

Primary APN	`73-15-20-300-002.000-021`
Alternative APNs	`00541106835` `0033204000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,158 sqft Living Area
1st Floor Area	3,158 sqft
Upper Floors Area	864 sqft
Basement Area	1,302 sqft
Unfinished Basement	1,302 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1965
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	118,919 sqft (2.73 acres)
Porch	Porch
Porch Area	200 sqft
Patio Area	634 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	00541106835
Street Address	394 E 975 S
City	FLAT ROCK
State	IN
Zip	47234-9782
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE SW 20 11 7 2.73 AC
Jurisdiction	SHELBY IN
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3033
Census Tract	710900

Owner

Source: Shelby County records, 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 Record
Mailing Address	394 E 975 S, FLAT ROCK, IN 47234-9782
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2015 · Amount on Record
Deed Sale	Jun 23, 2015 · Amount on Record
Prior Sale	Apr 3, 2014 · Amount on Record
Deed Document Number	20154794
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IN
Property Address	394 E 975 S, FLAT ROCK, IN 47234-9782
Transaction Type	Mortgage
Record Updated	Aug 9, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020003670
Date	Jul 6, 2020
Instrument	2020003670

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2035

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IN
Property Address	394 E 975 S, FLAT ROCK, IN 47234-9782
Transaction Type	Mortgage
Record Updated	Aug 9, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	394 E 975 S, FLAT ROCK, IN 47234-9782

Mortgage

Document Number	2021001472
Date	Feb 22, 2021
Instrument	2021001472

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

Source: Shelby County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Shelby County
County Subdivision	Washington Township
Unified School District	Southwestern Shelby County Consolidated Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,581.00 (+3.67%) Homeowner's exemption	$258,800 (+9.75%) Land $38,900 Building $219,900	$258,800 (+9.75%) Land $38,900 Building $219,900
2024	$1,525.00 (+8%)
2023	$1,412.00 (+5.06%)	$235,800 (+13.97%) Land $38,900 Building $196,900	$235,800 (+13.97%) Land $38,900 Building $196,900
2022	$1,344.00	$206,900 Land $34,200 Building $172,700	$206,900 Land $34,200 Building $172,700

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	12 (1998–2025)
Claims Outside the SFHA	6 of 12
Most Recent Claim	Apr 2025 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 2 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 99.1% of the US · lower than 94% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Xfinity Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Great Plains Communications, Verizon.

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