955 Harbon Dr, Franklin, IN 46131 Property Records

Johnson County property record for 955 Harbon Dr, Franklin, IN 46131

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,784 sqft · built 2005
Lot Size	0.154 acres (6,708 sqft)
Owner	Individual Name on File
Last Sale	$159,200 (Jun 2020)
Tax Bill	$2,135 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`41001204103/00`

Property Details

APN / Parcel Number

Primary APN	`41001204103/00`
Alternative APNs	`41-08-12-032-053.000-018` `00001083201`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,784 sqft Living Area
1st Floor Area	1,784 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Wood
Roof Material	Asphalt
Lot Area	6,708 sqft (0.154 acres)
Lot Dimensions	106 ft deep x 63 ft wide
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001083201
Street Address	955 HARBON DR
City	FRANKLIN
State	IN
Zip	46131-3608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	HERITAGE SEC 1 LOT 88 MP FRANKLIN COMMUNI
Legal Subdivision	HERITAGE SEC 1
Legal Lot Number	88
Jurisdiction	JOHNSON IN
Township / Civil Division	NEEDHAM
Census Block Group	1
Census Block	1075
Census Tract	611200

Owner

955 Harbon Dr is owned and occupied by an individual who acquired it in February 2024.

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

Owner of Record	Individual Name on File
Mailing Address	955 HARBON DR, FRANKLIN, IN 46131-3608
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
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage INDIAN HOUSING & COMMUNITY
Nov 23, 2022	Deed of Trust, Mortgage HUD
Feb 14, 2024	Intrafamily Transfer, Transfer
Jun 18, 2020	Deed of Trust, Mortgage · FHA Mortgage RUOFF MORTGAGE CO INC
Jun 18, 2020	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2020 · Amount on File
Deed Sale	Jun 18, 2020 · Amount on File
Deed Document Number	202015521
Last Transfer Date	Feb 7, 2024
Transfer Doc	2024002064
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSON IN
Property Address	955 HARBON DR, FRANKLIN, IN 46131-3608
Transaction Type	Mortgage
Record Updated	Feb 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021011587
Date	Apr 19, 2021
Instrument	2021-011587

Lender

Name	INDIAN HOUSING & COMMUNITY
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSON IN
Property Address	955 HARBON DR, FRANKLIN, IN 46131-3608
Transaction Type	Mortgage
Record Updated	Feb 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022025772
Date	Nov 23, 2022
Instrument	2022-025772

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount on Record
Term	336 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JOHNSON IN
Recording Date	Feb 14, 2024
Property Address	955 HARBON DR, FRANKLIN, IN 46131-3608
Document Number	2024002064
Map Reference	IN 2003-044212
Instrument Date	Feb 7, 2024
Instrument	2024-002064
Transaction Type	Transfer
Record Updated	Feb 13, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	955 HARBON DR, FRANKLIN, IN 46131-3608

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	955 HARBON DR, FRANKLIN, IN 46131-3608

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSON IN
Property Address	955 HARBON DR, FRANKLIN, IN 46131-3608
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020015522
Date	Jun 18, 2020
Instrument	2020-015522

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSON IN
Recording Date	Jun 18, 2020
Property Address	955 HARBON DR, FRANKLIN, IN 46131-3608
Document Number	2020015521
Map Reference	IN 2003-044212
Instrument Date	Jun 12, 2020
Instrument	2020-015521
Transaction Type	Transfer
Record Updated	Feb 13, 2026
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 with Right of Survivorship
Address	955 HARBON DR, FRANKLIN, IN 46131-3608

Mortgage

Document Number	2020015522
Date	Jun 18, 2020
Instrument	2020-015522

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 955 Harbon Dr was $2,135 with a homeowner's exemption, down 6.7% from the year before.

Source: Johnson County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Johnson County
County Subdivision	Needham Township
Municipality	Franklin City
Unified School District	Franklin Community School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,135.00 (-6.69%) Homeowner's exemption	$212,100 Land $31,000 Building $181,100	$212,100 Land $31,000 Building $181,100
2024	$2,288.00 (+1.64%)
2023	$2,251.00 (+8.33%) Homeowner's exemption	$203,200 (+8.49%) Land $31,000 Building $172,200	$203,200 (+8.49%) Land $31,000 Building $172,200
2022	$2,078.00 Homeowner's exemption	$187,300 Land $31,000 Building $156,300	$187,300 Land $31,000 Building $156,300

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

Flood

FEMA maps place 955 Harbon Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2013.

Source: FEMA National Flood Hazard Layer, effective September 30, 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
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2013)
Most Recent Claim	Dec 2013 · rainfall accumulation

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 955 Harbon Dr 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 95% of the US · lower than 68% 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	INDIANA AMERICAN WATER - JOHNSON COUNTY private · serves 86,813 people · EPA ID IN5241005
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	2 ppb (2022–2024) 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 400 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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