471 Firefly Ln, Carmel, IN 46032 Property Records

Hamilton County property record for 471 Firefly Ln, Carmel, IN 46032

Property Summary

Property Type	Condominium
Details	3 bd · 4 ba · 2,682 sqft · built 2015
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Company Names on Record
Tax Bill	$2,613 (2025)
Deeds & Mortgages	Sep 2026 Sale Sep 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-09-25-327-003.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-25-327-003.000-018`
Alternative APN	`1609250327003000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,682 sqft Living Area
Gross Area	3,102 sqft
1st Floor Area	2,682 sqft
2nd Floor Area	1,238 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Row Home
Construction Type	Frame
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	471 FIREFLY LN
City	CARMEL
State	IN
Zip	46032-1528
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	ACREAGE .09, SECTION 25, TOWNSHIP 18, RANGE 3, COTTAGES AT CARMEL, REPLAT INFORMATION: BLOCK M, LOT 32, BLOCK M, IRREGULAR SHAPE
Legal Range	03
Legal Township	18
Legal Section	25
Legal Subdivision	COTTAGES AT CARMEL
Legal Block	M
Legal Lot Number	32
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2010
Census Tract	111011

Owner

Source: Hamilton County records, as of October 13, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	471 FIREFLY LN, CARMEL, IN 46032-1528
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Sep 8, 2018	Deed of Trust, Mortgage · Line of Credit PNC BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2015
Deed Sale	Oct 27, 2015
Deed Document Number	201555857
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Sep 24, 2026
Property Address	471 FIREFLY LN, CARMEL, IN 46032-1528
Document Number	0000044133
Instrument Date	Sep 22, 2026
Instrument	202644133
Transaction Type	Transfer
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	471 FIREFLY LN, CARMEL, IN 46032-1528

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	471 FIREFLY LN, CARMEL, IN 46032-1528
Document Number	0000044319
Instrument Date	Sep 8, 2018
Transaction Type	Mortgage
Record Updated	Oct 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	471 FIREFLY LN CARMEL IN 460321528, CARMEL, IN 46032-1528

Mortgage

Document Number	0000044319
Date	Sep 24, 2018
Instrument	44319

Lender

Name	PNC BK
Type	Bank
Address	BRECKSVILLE, OH 44141

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 23, 2058

Interest

Rate Type	Adjustable Rate

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	$2,613.00 (-45.43%)	$504,700 (+16.96%) Land $130,000 Building $374,700	$504,700 (+16.96%) Land $130,000 Building $374,700
2024	$4,788.00 (+2.35%)	$431,500 (-0.76%) Land $130,000 Building $301,500	$431,500 (-0.76%) Land $130,000 Building $301,500
2023	$4,678.00 (+7.05%) Homeowner's exemption	$434,800 (+13.2%) Land $130,000 Building $304,800	$434,800 (+13.2%) Land $130,000 Building $304,800
2022	$4,370.00 Homeowner's exemption	$384,100 Land $130,000 Building $254,100	$384,100 Land $130,000 Building $254,100

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 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.

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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