Skip to content
Skip to content
TopHapOpen in map
Rural ResidenceResidential
$386,259$119 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

1092 W FLAT ROCK RD

FLAT ROCK, IN 47234
3
Beds
3
Baths
3,253 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
8.1 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$386K
$347K low$426K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$28,259
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$22,607
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.91%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$258,000
FIRST FINANCIAL BANK NA · recorded Apr 19, 2012
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$100,000
FIRST FINANCIAL BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,173 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$475,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$28,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$446,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$462,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$475,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.59
99
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
27
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
79
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
90
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
3
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
CountySHELBY
Lot (acres)The size of the land the home sits on, from county records.8.10
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 244 ft²Porch · 384 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Southwestern High SchoolB-
Middle · Grades 7–12 · 5.1 mi
E
Southwestern Elementary SchoolB
Elementary · Grades PK–6 · 5.2 mi

District: Southwestern Shelby County Consolidated Schools

Neighborhood · ZIP 47234These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.89
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.110
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.35

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.10%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.1,326
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.39 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$79,995
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$94,637
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.42 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1092 W Flat Rock Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 89% of homes in Flat Rock 47234
  • Costs less per square foot than 69% of homes in Shelby County
  • Bigger than 95% of homes in Flat Rock 47234
  • Has a bigger lot than 94% of homes in Shelby County
  • Newer than 75% of homes in Flat Rock 47234

What homes are worth in Flat Rock 47234

Each bar is how many homes fall in that price range. The marker is this home.

This home
$59K$510K

This home is worth more than 89% of homes in Flat Rock 47234.

How it measures up in Flat Rock 47234

The dot is this home. The mark in the middle is the typical home in Flat Rock 47234.

Estimated value$386,259
CheaperTypical $184,787Pricier

Pricier than 89% of homes nearby

Price per ft²$119
CheaperTypical $127Pricier

Pricier than 41% of homes nearby

Living area3,253 ft²
SmallerTypical 1,562 ft²Bigger

Bigger than 95% of homes nearby

Lot size8.1 ac
SmallerTypical 1.04 acBigger

Bigger than 88% of homes nearby

Year built1989
OlderTypical 1959Newer

Newer than 75% of homes nearby

How 1092 W Flat Rock Rd ranks against every home in each area.
MeasureThis homeFlat Rock 47234Shelby County
Estimated valuepricier than$386,25989% of homes86% of homes
Price per ft²pricier than$11941% of homes31% of homes
Living areabigger than3,253 ft²95% of homes95% of homes
Lot sizebigger than8.1 ac88% of homes94% of homes
Year builtnewer than198975% of homes72% of homes

About 1092 W Flat Rock Rd

How much is 1092 W Flat Rock Rd, Flat Rock, IN worth?

The TopHap Estimate for 1092 W Flat Rock Rd, Flat Rock, IN is $386,259 as of Jul 14, 2026. The likely range is $346,654 to $425,864. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1092 W Flat Rock Rd, Flat Rock, IN last sell?

1092 W Flat Rock Rd, Flat Rock, IN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 1092 W Flat Rock Rd, Flat Rock, IN?

1092 W Flat Rock Rd, Flat Rock, IN has 3 bedrooms, 3 bathrooms, 3,253 square feet of living space and a 8.10-acre lot.

When was 1092 W Flat Rock Rd, Flat Rock, IN built?

1092 W Flat Rock Rd, Flat Rock, IN was built in 1989, making it 37 years old. The building has 2 stories.

What schools serve 1092 W Flat Rock Rd, Flat Rock, IN?

1092 W Flat Rock Rd, Flat Rock, IN is assigned to Southwestern High School (middle), rated B-; Southwestern Elementary School (elementary), rated B. All sit in Southwestern Shelby County Consolidated Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1092 W Flat Rock Rd, Flat Rock, IN compare to other homes in Flat Rock 47234?

Among the 679 homes in Flat Rock 47234, it is worth more than 89% of them ($386,259 against a typical $184,787), its price per square foot is higher than 41% of them ($119 against a typical $127), it is bigger than 95% of them (3,253 ft² against a typical 1,562 ft²), its lot is bigger than 88% of them (8.1 ac against a typical 1.04 ac) and it is newer than 75% of them (1989 against a typical 1959). Measured against all of Shelby County, it is worth more than 86% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1092 W Flat Rock Rd, Flat Rock, IN?

The 2025 property tax bill for 1092 W Flat Rock Rd, Flat Rock, IN was $3,173. The county assessed it at $475,000.

More homes on W Flat Rock Rd

Closest homes

More homes in Flat Rock 47234

Assigned schools

Explore the area

See this home in context

Open 1092 W Flat Rock Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map