447 Firefly Ln, Carmel, IN 46032 Property Records

Hamilton County property record for 447 Firefly Ln, Carmel, IN 46032

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,369 sqft · built 2013
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on Record
Last Sale	$503,737 (Aug 2026)
Tax Bill	$4,790 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-25-323-002.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-25-323-002.000-018`
Alternative APN	`1609250323002000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,369 sqft Living Area
Gross Area	2,831 sqft
1st Floor Area	2,369 sqft
2nd Floor Area	1,073 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Row Home
Construction Type	Frame
Roof Material	Asphalt
Lot Area	3,049 sqft (0.07 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	447 FIREFLY LN
City	CARMEL
State	IN
Zip	46032-1527
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	ACREAGE .07, SECTION 25, TOWNSHIP 18, RANGE 3, COTTAGES AT CARMEL, REPLAT INFORMATION: BLOCK L, LOT 28, BLOCK L, IRREGULAR SHAPE
Legal Range	03
Legal Township	18
Legal Section	25
Legal Subdivision	COTTAGES AT CARMEL
Legal Block	L
Legal Lot Number	28
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2010
Census Tract	111011

Owner

Source: Hamilton County records, as of September 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	447 FIREFLY LN, CARMEL, IN 46032-1527
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK
Jan 19, 2021	Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Mar 31, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST FEDERAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2026 · Amount on Record
Deed Sale	Aug 27, 2026 · Amount on Record
Prior Sale	Apr 17, 2014 · Amount on Record
Deed Document Number	202640024
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 27, 2026
Property Address	447 FIREFLY LN, CARMEL, IN 46032-1527
Document Number	0000040024
Instrument Date	Aug 26, 2026
Instrument	202640024
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	MERIDIAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 FIREFLY LN, CARMEL, IN 46032-1527

Mortgage

Document Number	0000040025,
Date	Aug 27, 2026
Instrument	202640025

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2041

Interest

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	447 FIREFLY LN, CARMEL, IN 46032-1527
Transaction Type	Mortgage
Record Updated	Feb 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003436
Date	Jan 19, 2021
Instrument	2021003436

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	447 FIREFLY LN, CARMEL, IN 46032-1527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017121
Date	Mar 31, 2020
Instrument	2020017121

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	ALPHARETTA, GA 30022

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,790.00 (+8.42%)	$468,700 (+16.62%) Land $130,000 Building $338,700	$468,700 (+16.62%) Land $130,000 Building $338,700
2024	$4,418.00 (+2.39%)	$401,900 (-0.72%) Land $130,000 Building $271,900	$401,900 (-0.72%) Land $130,000 Building $271,900
2023	$4,315.00 (+5.71%) Homeowner's exemption	$404,800 (+12.69%) Land $130,000 Building $274,800	$404,800 (+12.69%) Land $130,000 Building $274,800
2022	$4,082.00 Homeowner's exemption	$359,200 Land $130,000 Building $229,200	$359,200 Land $130,000 Building $229,200

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 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 98% of the US · lower than 85% 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	CARMEL WATER DEPARTMENT serves 99,927 people · EPA ID IN5229004
Water Source	Groundwater influenced by surface water
Last State Inspection	Aug 2024
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jan 2024 E. coli resolved · Oct 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 365 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
On-Ramp Indiana Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Xfinity.

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