1040 E 108th St, Carmel (Indianapolis), IN 46280 Property Records

Hamilton County property record for 1040 E 108th St, Carmel, IN 46280

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,198 sqft · built 1947
Lot Size	0.7 acres (30,492 sqft)
Owner	Company Name on Record
Tax Bill	$1,200 (2024)
Deeds & Mortgages	Apr 2026 Mortgage Jun 2026 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`29-13-01-303-023.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-01-303-023.000-018`
Alternative APNs	`291301303023000003` `1713010303023000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,198 sqft Living Area
Gross Area	3,364 sqft
1st Floor Area	1,198 sqft
Basement Area	1,198 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Wood Siding
Construction Type	Brick
Roof Material	Asphalt
Lot Area	30,492 sqft (0.7 acres)
Lot Dimensions	140 ft deep x 72.4 ft wide
Garage Type	Attached
Garage Area	968 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1040 E 108TH ST
City	CARMEL
State	IN
Zip	46280-1113
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .70, SECTION 1, TOWNSHIP 17, RANGE 3, HOMEPLACE, SECTION 1, LOT 222, 223 & 221
Legal Range	03
Legal Township	17
Legal Section	01
Legal Subdivision	HOMEPLACE SECTION 1
Legal Lot Number	223
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2025
Census Tract	111006

Owner

Source: Hamilton County records, as of September 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	347 S 8TH ST, A, NOBLESVILLE, IN 46060-2700
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Jun 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Apr 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage LAKE CITY BANK
May 31, 2023	Deed of Trust, Mortgage · Commercial Mortgage STOCK YARDS BANK & TRUST CO
Mar 21, 2023	Deed of Trust, Mortgage · Commercial Mortgage STOCK YARDS BANK & TRUST CO
Mar 2, 2023	Deed of Trust, Mortgage · Commercial Mortgage STOCK YARDS BANK & TRUST CO
Nov 29, 2023	Warranty Deed, Transfer MTC
Jun 15, 2022	Warranty Deed, Transfer MTC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2023
Deed Sale	Nov 29, 2023
Prior Sale	Jun 15, 2022
Deed Document Number	202344985
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Apr 7, 2026
Property Address	1040 E 108TH ST, CARMEL, IN 46280-1113
Document Number	0000014322
Instrument Date	Mar 30, 2026
Instrument	202614322
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	347 S 8TH ST, NOBLESVILLE, IN 46060-2700

Mortgage

Document Number	0000014322,
Date	Apr 7, 2026
Instrument	202614322

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Jun 10, 2026
Property Address	1040 E 108TH ST, CARMEL, IN 46280-1113
Document Number	0000025918
Instrument Date	Mar 30, 2026
Instrument	202625918
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	347 S 8TH ST, NOBLESVILLE, IN 46060-2700

Mortgage

Document Number	0000025918,
Date	Jun 10, 2026
Instrument	202625918

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	201 Months
Due	Mar 31, 2043

Interest

Rate	5.98%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Apr 7, 2026
Property Address	1040 E 108TH ST, CARMEL, IN 46280-1113
Document Number	0000014318
Instrument Date	Mar 27, 2026
Instrument	202614318
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	347 S 8TH ST, NOBLESVILLE, IN 46060-2700

Mortgage

Document Number	0000014318,
Date	Apr 7, 2026
Instrument	202614318

Lender

Name	LAKE CITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Apr 1, 2028

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1040 E 108TH ST, CARMEL, IN 46280-1113
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000019753
Date	May 31, 2023
Instrument	2023019753

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40232

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	21 Months
Due	Feb 27, 2025

Interest

Rate Type	Adjustable Rate

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1040 E 108TH ST, CARMEL, IN 46280-1113
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009060
Date	Mar 21, 2023
Instrument	2023009060

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40232

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	23 Months
Due	Feb 27, 2025

Interest

Rate Type	Adjustable Rate

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1040 E 108TH ST, CARMEL, IN 46280-1113
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000006646
Date	Mar 2, 2023
Instrument	2023006646

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40232

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	23 Months
Due	Feb 27, 2025

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Nov 29, 2023
Property Address	1040 E 108TH ST, CARMEL, IN 46280-1113
Document Number	0000044985
Instrument Date	Nov 29, 2023
Instrument	2023044985
Transaction Type	Transfer
Record Updated	Jan 19, 2024
Title Company	MTC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	347 S 8TH ST STE A, A, NOBLESVILLE, IN 46060-2700

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 15, 2022
Property Address	1040 E 108TH ST, CARMEL, IN 46280-1113
Document Number	0000029958
Instrument Date	Jun 15, 2022
Instrument	2022029958
Transaction Type	Transfer
Record Updated	Jan 19, 2024
Title Company	MTC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2159 GLEBE ST STE 200, 200, CARMEL, IN 46032-7372
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 16, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Hamilton County
County Subdivision	Clay Township
Municipality	Carmel City
Unified School District	Carmel Clay Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$60,100 (+43.1%) Land $60,100	$60,100 (+43.1%) Land $60,100
2024	$1,200.00 (+41.84%)
2023	$846.00 (-4%)	$42,000 (-72.04%) Land $42,000	$42,000 (-72.04%) Land $42,000
2022	$1,410.00	$150,200 Land $42,000 Building $108,200	$150,200 Land $42,000 Building $108,200

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 5, 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	6 (1986–2011)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Jun 2011 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 73% 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	CARMEL WATER DEPARTMENT serves 99,927 people · EPA ID IN5229004
Water Source	Groundwater influenced by surface water
Last State Inspection	Aug 2024
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jan 2024 E. coli resolved · Oct 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 399 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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