4520 Cold Spring Rd, Indianapolis, IN 46228 Property Records

Marion County property record for 4520 Cold Spring Rd, Indianapolis, IN 46228

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,119 sqft · built 1952
Lot Size	0.458 acres (19,994 sqft)
Owner	Owner Name on File
Tax Bill	$1,755 (2023)
Deeds & Mortgages	Aug 2017 Mortgage Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`49-06-15-102-075.000-800`

Property Details

APN / Parcel Number

Primary APN	`49-06-15-102-075.000-800`
Alternative APN	`8007906`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,119 sqft Living Area
Gross Area	2,094 sqft
1st Floor Area	1,119 sqft
Basement Area	975 sqft

Exterior

Year Built	Built 1952
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	19,994 sqft (0.458 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	8007906
Old Parcel Number	8007906
Street Address	4520 COLD SPRING RD
City	INDIANAPOLIS
State	IN
Zip	46228-3076
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	AYRSHIRE LOTS 75 & 76
Legal Range	03
Legal Township	16
Legal Section	15
Legal Subdivision	AYRSHIRE ADDITION
Legal Lot Number	75-76 76
Jurisdiction	MARION IN
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1001
Census Tract	321002

Owner

The current owner of 4520 Cold Spring Rd acquired it in January 2010.

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

Owner of Record	Owner Name on File
Mailing Address	4520 COLD SPRING RD, INDIANAPOLIS, IN 46228-3076
Occupancy	Owner Occupied

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
Aug 17, 2017	Deed of Trust, Mortgage · FHA Mortgage SAGAMORE HOME MORTGAGE LLC
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME LOAN EXPERT LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2010
Deed Sale	Jan 8, 2010
Deed Document Number	A201000001554
Record Updated	Jun 7, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION IN
Property Address	4520 COLD SPRING RD, INDIANAPOLIS, IN 46228-3076
Transaction Type	Mortgage
Record Updated	Aug 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000093298
Date	Aug 17, 2017
Instrument	A201700093298

Lender

Name	SAGAMORE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2047

Interest

Rate Type	Fixed Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION IN
Property Address	4520 COLD SPRING RD, INDIANAPOLIS, IN 46228-3076
Transaction Type	Mortgage
Record Updated	Aug 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000137733
Date	Oct 14, 2021
Instrument	A202100137733

Lender

Name	HOME LOAN EXPERT LLC
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate

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	Washington Township Metropolitan School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$1,755.00 (+21.45%)	$188,600 (+18.54%) Land $44,000 Building $144,600	$188,600 (+18.54%) Land $44,000 Building $144,600
2022	$1,445.00 (+56.72%)	$159,100 Land $16,500 Building $142,600	$159,100 Land $16,500 Building $142,600
2021	$922.00

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

Flood

FEMA maps place 4520 Cold Spring Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective June 7, 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	1 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2008 · Severe Storms, Flooding, And Tornadoes

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 4520 Cold Spring Rd 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 94% of the US · lower than 63% 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.

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Xiber.

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