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6442 E Flat Rock Dr, Camby, IN, 46113

3beds
3baths
1,871sqft
$239,900
$128price/sqft
$1,754/moest. monthly cost
$70,160/yrincome needed

About This Home

Enjoy maintenance free living at this inviting 3 bedroom, 2.5 bathroom condominium in the Villas at Heartland Crossing. Enjoy the lush green view across the street from your covered porch. Ample living space (1871 sqft) with a living room and family room, an eat-in kitchen area and/or formal dining room. The loft upstairs is an additional space for work or relaxing. The large screened in porch and outdoor grilling area are great for entertaining. The HOA covers roof and outside work on the structure, lawncare, and snow removal. this condo has a 5 year old furnace/AC system, 5 yr old roof and 2 yr old garage door and opener. You will have access to everything that Heartland Crossing has to offer to include pools, playgrounds, tennis courts and a community clubhouse, with lighted sidewalks for safe travels. For your convenience, all your shopping is a 5 minute drive away. An appliance allowance will be given at closing.This is a must see!!

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

6/10
8/10
Mooresville High SchoolGrades 9-123.7 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1999

Materials

  • Foundation: Slab
  • Construction materials: Vinyl With Brick,Wood Siding

Type & Style

  • Home type: Condo
  • Architectural style: Contemporary
  • Property subType: Residential,Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Gas Water Heater,Microwave,Electric Oven,Range Hood,Refrigerator,Water Softener Owned
  • Laundry features: In Unit,Connections All,Main Level

Bedroom2

  • Level: Upper
  • Area: 110
  • Dimensions: 11x10

Bedroom3

  • Level: Upper
  • Area: 90
  • Dimensions: 10x9

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: Main
  • Area: 104
  • Dimensions: 13x8

Family Room

  • Level: Main
  • Area: 192
  • Dimensions: 16x12

Features

  • Attic Access,Attic Pull Down Stairs,Built-in Features,Tray Ceiling(s),Ceiling Fan(s),High Speed Internet,Eat-in Kitchen,Pantry,Smart Thermostat,Wired for Sound,Walk-In Closet(s)
  • Number of fireplaces: 1
  • Fireplace features: Family Room,Gas Log,Living Room
  • Fireplace: Yes
  • Attic: Access Only,Pull Down Stairs
  • Common walls with other units/homes: 1 Common Wall

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,871
  • Total interior livable area: 1,871 sqft

Kitchen

  • Features: Tile-Ceramic
  • Level: Main
  • Area: 132
  • Dimensions: 12x11

Laundry

  • Features: Tile-Ceramic
  • Level: Main
  • Area: 42
  • Dimensions: 7x6

Living Room

  • Level: Main
  • Area: 169
  • Dimensions: 13x13

Loft

  • Level: Upper
  • Area: 88
  • Dimensions: 11x8

Master Bedroom

  • Level: Upper
  • Area: 192
  • Dimensions: 16x12

Property

Details

  • Parcel number: 550228430008001015
  • Attached to another structure: Yes
  • Horse amenities: None

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Building Private Entry
  • Patio & porch: Covered,No Maintenance,Screened
  • Has view: Yes
  • View description: Park/Greenbelt

Lot

  • Lot size: 5,227 sqft
  • Features: Access,Curbs,Rural - Subdivision,Sidewalks,Storm Sewer,Street Lights,Mature Trees

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Hail
Lightning
Tornado

FEMA Declared Disasters Across Indiana Counties

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,213$14,556
Home Insurance *$138$1,656
Property Taxes $219$2,628
Electricity $184$2,212
Total$1,754$21,048
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$60,137/yr
40% on housing$52,620/yr
45% on housing$46,773/yr

Indiana FAIR Plan Programs

Indiana Basic Property Insurance Underwriting Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 810Commercial: 30
Total Premiums$1.77M
Total Exposure$1.82M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.6%
10.6%
0%30.0%
Electricity Growth Rate10-year average: 6.1%
6.1%
0%15.0%
Property Taxes Growth Rate2-year average: 7.8%
7.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$128This listing

vs Other Active Listings

Avg $/sqft

ZIP 46113$136
Morgan County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 46113$144
Morgan County$146

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-11Price change$232,900
2026-07-31Price change$239,900
2026-07-17Listed for sale$249,900
2025-06-15Listing removed$1,450
2025-06-01Listed for rent$1,450
2025-05-19Listing removed$1,450
2025-05-14Listed for rent$1,450
2025-05-14Listing removed$229,000
2025-04-10Price change$229,000
2025-03-07Price change$233,000
2025-02-13Price change$239,000
2025-02-10Listed for sale$245,000
2024-11-23Listing removed$1,600
2024-11-21Price change$1,600
2024-11-19Listed for rent$1,700
2021-03-24Listing removed--
2018-08-14Listing removed$1,200
2018-07-27Price change$1,200
2018-06-21Price change$1,250
2018-06-19Listed for rent$1,300
2011-03-31Listing removed$126,900
2010-03-24Listed for sale$126,900
2009-11-08Listing removed$135,000
2009-04-23Listed for sale$135,000
2001-12-19Sold$133,296

For Sale by Agent

AgentMichele Marsh
BrokerageIntegrity Home Realty

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