438 E 51st St, Indianapolis, IN 46205 Property Records

Marion County property record for 438 E 51st St, Indianapolis, IN 46205

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,948 sqft · built 1925
Lot Size	0.116 acres (5,053 sqft)
Owner	2 Individual Names on File
Last Sale	$519,500 (Sep 2022)
Tax Bill	$6,274 (2023)
Deeds & Mortgages	Jun 2021 Mortgage May 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`49-06-12-110-048.001-801`

Property Details

APN / Parcel Number

Primary APN	`49-06-12-110-048.001-801`
Alternative APN	`8064085`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,948 sqft Living Area
Gross Area	2,874 sqft
1st Floor Area	974 sqft
2nd Floor Area	974 sqft
Attic Area	958 sqft
Basement Area	974 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 2008
Construction Type	Wood
Roof Material	Asphalt
Lot Area	5,053 sqft (0.116 acres)
Lot Dimensions	127 ft deep x 43 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Sewer	Connected

Location & Zoning

Account Number	8064085
Street Address	438 E 51ST ST
City	INDIANAPOLIS
State	IN
Zip	46205-1023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	CENTRAL AVENUE HEIGHTS 40 E SIDE L12
Legal Subdivision	CENTRAL AVE HEIGHTS
Legal Lot Number	12
Jurisdiction	MARION IN
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3000
Census Tract	322300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the North Pennsylvania Street Historic District listed 2023 · 888 contributing resources · NRIS 100009591

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

438 E 51st St is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	438 E 51ST ST, INDIANAPOLIS, IN 46205-1023
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage MJW FINANCIAL LLC
May 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage HORIZON BANK NA
Sep 23, 2022	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC
Jan 29, 2020	Warranty Deed, Transfer · Conventional Mortgage MJW FINANCIAL LLC
Mar 2, 2018	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2022 · Amount on File
Deed Sale	Sep 23, 2022 · Amount on File
Prior Sale	Jan 29, 2020 · Amount on File
Deed Document Number	A202200105903
Record Updated	Jun 7, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION IN
Property Address	438 E 51ST ST, INDIANAPOLIS, IN 46205-1023
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000072579
Date	Jun 2, 2021
Instrument	A202100072579

Lender

Name	MJW FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION IN
Property Address	438 E 51ST ST, INDIANAPOLIS, IN 46205-1023
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000059317
Date	May 23, 2022
Instrument	A202200059317

Lender

Name	HORIZON BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	204 Months
Due	Mar 3, 2039

Interest

Rate Type	Adjustable Rate

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION IN
Recording Date	Sep 23, 2022
Property Address	438 E 51ST ST, INDIANAPOLIS, IN 46205-1023
Document Number	0000105903
Map Reference	PB 14 PG 10
Instrument Date	Sep 16, 2022
Instrument	A202200105903
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	LENDER ESCROW AND TITLE, LENDERS ESCROW & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	438 E 51ST ST, INDIANAPOLIS, IN 46205-1023

Mortgage

Document Number	0000105904
Date	Sep 23, 2022
Instrument	A202200105904

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION IN
Recording Date	Jan 29, 2020
Property Address	438 E 51ST ST, INDIANAPOLIS, IN 46205-1023
Document Number	0000010639
Instrument Date	Jan 23, 2020
Instrument	A202000010639
Transaction Type	Transfer
Record Updated	Aug 8, 2022
Title Company	CHICAGO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3458 N KENWOOD AVE, INDIANAPOLIS, IN 46208-4421

Mortgage

Document Number	0000010640
Date	Jan 29, 2020
Instrument	A202000010640

Lender

Name	MJW FINANCIAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION IN
Property Address	438 E 51ST ST, INDIANAPOLIS, IN 46205-1023
Document Number	0000022501
Instrument Date	Mar 2, 2018
Transaction Type	Mortgage
Record Updated	Apr 9, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	438 E 51ST ST INDIANAPOLIS IN 462051023, INDIANAPOLIS, IN 46205-1023

Mortgage

Document Number	0000022501
Date	Mar 7, 2018
Instrument	22501

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 6, 2048

Tax Assessment & Valuation

Source: Marion County assessment roll, as of July 1, 2023

Property Jurisdictions

Type	Name
State	Indiana
County	Marion County
County Subdivision	Washington Township
Consolidated City	Indianapolis City
Unified School District	Indianapolis Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$6,274.00 (+11.86%) Homeowner's exemption	$521,700 (+12.48%) Land $60,200 Building $461,500	$521,700 (+12.48%) Land $60,200 Building $461,500
2022	$5,609.00 (+85.48%) Homeowner's exemption	$463,800 Land $36,000 Building $427,800	$463,800 Land $36,000 Building $427,800
2021	$3,024.00

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

Flood

FEMA maps place 438 E 51st St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 7, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

The area around 438 E 51st St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 - INDIANAPOLIS serves 880,345 people · EPA ID IN5249004
Water Source	Surface water
Last State Inspection	May 2024
Lead	3 ppb (2026) 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 801 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: Xiber.

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