435 Flora Pl, Carmel (Indianapolis), IN 46290 Property Records

Hamilton County property record for 435 Flora Pl, Carmel, IN 46290

Property Summary

Property Type	Condominium
Details	2,699 sqft · built 2024
Lot Size	0.03 acres (1,307 sqft)
Owner	2 Individual Names on File
Last Sale	$610,470 (Apr 2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-10-003-016.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-10-003-016.000-018`
Alternative APN	`1713100003016000`

Interior

Stories	4 Stories
Building Area	2,699 sqft Living Area

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Condo/Apartment
Exterior Material	Brick
Lot Area	1,307 sqft (0.03 acres)

Location & Zoning

Street Address	435 FLORA PL
City	CARMEL
State	IN
Zip	46290-1201
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	ACREAGE .03, SECTION 10, TOWNSHIP 17, RANGE 3, FLORA ON SPRING MILL, LOT 16
Legal Subdivision	FLORA ON SPRING MILL
Legal Lot Number	16
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1006
Census Tract	111103

Owner

435 Flora Pl, a condominium, is owned and occupied by two individuals who bought it in April 2026.

Source: Hamilton County records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	435 FLORA PL, CARMEL, IN 46290-1201
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Apr 8, 2026	Warranty Deed, Transfer · Conventional Mortgage SMW FINANCIAL LLC
Apr 8, 2026	Warranty Deed, Transfer · Conventional Mortgage SMW FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2026 · Amount on File
Deed Sale	Apr 8, 2026 · Amount on File
Deed Document Number	202614407
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Apr 8, 2026
Property Address	435 FLORA PL, CARMEL, IN 46290-1201
Document Number	0000014407
Instrument Date	Apr 2, 2026
Instrument	202614407
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	435 FLORA PL, CARMEL, IN 46290-1201

Mortgage

Document Number	0000014408,
Date	Apr 8, 2026
Instrument	202614408

Lender

Name	SMW FINANCIAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Apr 8, 2026
Property Address	435 FLORA PL, CARMEL, IN 46290-1201
Document Number	0000014407
Instrument Date	Apr 2, 2026
Instrument	202614407
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	435 FLORA PL, CARMEL, IN 46290-1201

Mortgage

Document Number	0000014408,
Date	Apr 8, 2026
Instrument	202614408

Lender

Name	SMW FINANCIAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 16, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Hamilton County
County Subdivision	Clay Township
Municipality	Carmel City
Unified School District	Carmel Clay Schools (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$748,800 Land $165,000 Building $583,800	$748,800 Land $165,000 Building $583,800

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

Flood

FEMA maps place 435 Flora Pl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 5, 2026 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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 435 Flora Pl 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 Risk	Low lower than 93% of the US · above 45% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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