997 E 1100 S, Flat Rock, IN 47234 Property Records

Shelby County property record for 997 E 1100 S, Flat Rock, IN 47234

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,140 sqft · built 1950
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$152,285 (Nov 2021)
Tax Bill	$1,833 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`73-15-32-200-026.000-021`

Property Details

APN / Parcel Number

Primary APN	`73-15-32-200-026.000-021`
Alternative APNs	`00895528336` `0033800600`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,140 sqft Living Area
1st Floor Area	1,140 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1958
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Attached
Garage Area	960 sqft
Parking Spaces	3 Parking Spaces
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00895528336
Street Address	997 E 1100 S
City	FLAT ROCK
State	IN
Zip	47234-9741
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE 32 11 7 1.50A
Jurisdiction	SHELBY IN
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3049
Census Tract	710900

Owner

997 E 1100 S is owned and occupied by two individuals who bought it in November 2021.

Source: Shelby County records, as of June 23, 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 Individual Names on File
Mailing Address	997 E 1100 S, FLAT ROCK, IN 47234-9741
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Nov 1, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2021 · Amount on File
Deed Sale	Nov 1, 2021 · Amount on File
Deed Document Number	20218016
Prior Transfer Date	Jun 28, 2021
Prior Transfer Doc	2021008016
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY IN
Recording Date	Apr 29, 2026
Property Address	997 E 1100 S, FLAT ROCK, IN 47234-9741
Document Number	0000002152
Instrument Date	Apr 23, 2026
Instrument	20262152
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	997 E 1100 S, FLAT ROCK, IN 47234-9741

Mortgage

Document Number	0000002152,
Date	Apr 29, 2026
Instrument	20262152

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate	6.38%
Max Rate	-1%

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SHELBY IN
Recording Date	Nov 1, 2021
Property Address	997 E 1100 S, FLAT ROCK, IN 47234-9741
Document Number	2021008016
Instrument Date	Jun 28, 2021
Instrument	2021008016
Transaction Type	Transfer
Record Updated	Mar 3, 2022
Title Company	SECURITY SETTLEMENT SERVICES INC, EQUITY SETTLEMENT SVCS INC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	997 E 1100 S, FLAT ROCK, IN 47234-9741

Mortgage

Document Number	2021008017
Date	Nov 1, 2021
Instrument	2021008017

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	177 Months
Due	Aug 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 997 E 1100 S was $1,833, up 9.1% from the year before.

Source: Shelby County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Shelby County
County Subdivision	Washington Township
Unified School District	Southwestern Shelby County Consolidated Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,833.00 (+9.11%)	$149,600 Land $28,400 Building $121,200	$149,600 Land $28,400 Building $121,200
2024	$1,680.00 (-0.53%)
2023	$1,689.00 (+5.5%)	$149,400 (+12.42%) Land $28,400 Building $121,000	$149,400 (+12.42%) Land $28,400 Building $121,000
2022	$1,601.00	$132,900 Land $24,900 Building $108,000	$132,900 Land $24,900 Building $108,000

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

Flood

FEMA maps place 997 E 1100 S in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective November 3, 2024 · 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	6 in force
Nearby Flood Claims	12 (1998–2025)
Claims Outside the SFHA	6 of 12
Most Recent Claim	Apr 2025 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 2 claims Severe Winter Storms And Flooding, Jan 2005 · 4 claims

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 997 E 1100 S 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 97% of the US · lower than 78% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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