489 Firefly Ln, Carmel, IN 46032 Property Records

Hamilton County property record for 489 Firefly Ln, Carmel, IN 46032

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,736 sqft · built 2010
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Company Names on Record
Tax Bill	$4,032 (2024)
Deeds & Mortgages	May 2026 Sale Aug 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-25-319-001.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-25-319-001.000-018`
Alternative APN	`1609250319001000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,736 sqft Living Area
Gross Area	2,177 sqft
1st Floor Area	1,736 sqft
2nd Floor Area	387 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Row Home
Construction Type	Frame
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	489 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, LOT 35, BLOCK O, IRREGULAR SHAPE
Legal Range	03
Legal Township	18
Legal Section	25
Legal Subdivision	COTTAGES AT CARMEL
Legal Block	O
Legal Lot Number	35
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2010
Census Tract	111011

Owner

Source: Hamilton County records, as of May 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	30 STRATHAM GRN, STRATHAM, NH 03885-2341
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Aug 12, 2025	Intrafamily Transfer, Transfer
Nov 13, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2026
Deed Sale	May 15, 2026
Prior Sale	Jan 3, 2011 · Amount on Record
Deed Document Number	202621485
Prior Transfer Date	Jul 31, 2025
Prior Transfer Doc	0000033233
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HAMILTON IN
Recording Date	May 15, 2026
Property Address	489 FIREFLY LN, CARMEL, IN 46032-1528
Document Number	0000021485
Instrument Date	May 12, 2026
Instrument	202621485
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

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	Trust
Address	30 STRATHAM GRN, STRATHAM, NH 03885-2341

August 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON IN
Recording Date	Aug 12, 2025
Property Address	489 FIREFLY LN, CARMEL, IN 46032-1528
Document Number	0000033233
Map Reference	DOC 2010049194
Instrument Date	Jul 31, 2025
Instrument	2025033233
Transaction Type	Transfer
Record Updated	Jun 12, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	489 FIREFLY LN, CARMEL, IN 46032-1528

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	489 FIREFLY LN, CARMEL, IN 46032-1528
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056148
Date	Nov 13, 2017
Instrument	2017056148

Lender

Name	PNC BANK NA
Type	Bank
Address	BRECKSVILLE, OH 44141

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	468 Months
Due	Nov 2, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$425,000 (+15.43%) Land $130,000 Building $295,000	$425,000 (+15.43%) Land $130,000 Building $295,000
2024	$4,032.00 (+1.23%)	$368,200 (-0.73%) Land $130,000 Building $238,200	$368,200 (-0.73%) Land $130,000 Building $238,200
2023	$3,983.00 (+5.06%) Homeowner's exemption	$370,900 (+12.05%) Land $130,000 Building $240,900	$370,900 (+12.05%) Land $130,000 Building $240,900
2022	$3,791.00 Homeowner's exemption	$331,000 Land $130,000 Building $201,000	$331,000 Land $130,000 Building $201,000

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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