3709 Bay Road North Drive, Indianapolis
technical data · neighborhood and transit
Quick answers
- Is 3709 Bay Road North Drive in a flood zone?
- No. FEMA maps it in Zone X, outside the high-risk flood area. Flood insurance is optional.
- What is the 2026 conforming loan limit in Marion County?
- $832,750 for a single-unit home, per FHFA. Larger loans are jumbo loans.
- Is radon a problem here?
- EPA radon zone 1, the highest potential. Test for radon before you buy.
- What natural disasters is 3709 Bay Road North Drive at risk for?
- FEMA's National Risk Index rates the area relatively low overall.
Safety and environment
FEMA natural hazard risk
Relatively Low
No single natural hazard ranks high for this area.
FEMA National Risk Index, census tract
FEMA flood zone
Zone X
Mapped outside the high-risk flood area. Flood insurance is optional.
FEMA National Flood Hazard Layer (FIRM)
Radon potential
High
Average indoor levels here can exceed 4 pCi/L, EPA's action level. A $15 test kit settles it before you buy.
EPA and USGS Geologic Radon Potential Map
Wildfire risk
Very Low
Wildfire risk is low enough that standard home insurance usually covers it.
FEMA National Risk Index
Nearest public schools
1,450 ft
Clearwater Elementary School (1,450 ft), Allisonville Elementary School (4,900 ft). Confirm the assigned school with the district.
U.S. Department of Education, NCES
Sinkhole-prone ground
Limestone karst
The bedrock here (limestone, Muscatatuck Group) can dissolve and open sinkholes. Ask for a geotechnical report and check whether sinkhole coverage is in the insurance policy.
USGS Karst in the United States (OFR 2014-1156)
Conforming loan limit 2026
$832,750
Marion County. Mortgages up to this amount qualify for Fannie Mae and Freddie Mac pricing. Above it, the loan is a jumbo with stricter terms.
FHFA Conforming Loan Limit Values, one-unit
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More on Bay Road North Drive
All addressesViewing recommendations
What's worth checking in person before deciding.
- Test water pressure and temperature at the tap, in the bathroom and kitchen, for at least a minute.
- This is a house, not an apartment. Check the lot boundaries, car access, and how water drains from the yard after rain, including whether the neighboring lot sits higher and could send water toward the property.
- Semi-detached or row house: the shared wall matters. Listen from the room adjoining the neighbor's side and ask whether any structural work has been done there.
- Schedule a viewing in the evening too, on a weekday, to see street traffic, streetlights, and how quiet the neighborhood is after 8 PM.
- Check exactly where you'd park: a spot in the yard or garage, or street parking, and how crowded the street gets in the evening.
- Ask to see the construction documents (permit, sign-off) and check for visible cracks on the facade or in the attic/basement.
- Check the condition of the fence, yard, and sidewalk out front: who is responsible for upkeep, and whether there are any boundary disputes with neighbors.
Neighborhood recommendations are derived from public OpenStreetMap data and may be incomplete. Checking in person is still what matters most.