10748 Downing St, Carmel, IN 46033 Property Records

Hamilton County property record for 10748 Downing St, Carmel, IN 46033

Property Summary

Property Type	Row House
Details	3 bd · 3 ba · 2,556 sqft · built 1978
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$299,900 (Aug 2020)
Tax Bill	$2,898 (2024)
Deeds & Mortgages	Aug 2020 Mortgage Jun 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`29-14-05-184-006.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-14-05-184-006.000-018`
Alternative APNs	`291405J04006000018` `1614051804006000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,556 sqft Living Area
1st Floor Area	1,456 sqft
Basement Area	1,456 sqft
Finished Basement	1,100 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Row End or Row Middle
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	80 ft deep x 57 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1614051804006000
Old Parcel Number	291405J04006000018
Street Address	10748 DOWNING ST
City	CARMEL
State	IN
Zip	46033-3854
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Row House
Legal Description	ACREAGE .00, SECTION 5, TOWNSHIP 17, RANGE 4, THE WOODLANDS, SECTION 3, LOT 75
Legal Range	04
Legal Township	17
Legal Section	05
Legal Subdivision	THE WOODLANDS SECTION THREE
Legal Block	3
Legal Lot Number	75
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2010
Census Tract	111004

Owner

10748 Downing St, a row house, is owned and occupied by an individual who bought it in August 2020.

Source: Hamilton County records, as of March 4, 2026

Owner of Record	Individual Name on File
Mailing Address	10748 DOWNING ST, CARMEL, IN 46033-3854
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Jun 24, 2020	Warranty Deed, Transfer ATA NATIONAL TITLE GROUP/IN LLC, ATA NAT'L TITLE GRP/IN LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2020 · Amount on File
Deed Sale	Aug 20, 2020 · Amount on File
Prior Sale	Jun 24, 2020 · Amount on File
Deed Document Number	2020056352
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 20, 2020
Property Address	10748 DOWNING ST, CARMEL, IN 46033-3854
Document Number	2020056352
Map Reference	MB 5 PG 171
Instrument Date	Aug 13, 2020
Instrument	2020056352
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020056353
Date	Aug 20, 2020
Instrument	2020056353

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 24, 2020
Property Address	10748 DOWNING ST, CARMEL, IN 46033-3854
Document Number	0000039488
Instrument Date	Jun 18, 2020
Instrument	39488
Transaction Type	Transfer
Record Updated	Dec 4, 2020
Title Company	ATA NATIONAL TITLE GROUP/IN LLC, ATA NAT'L TITLE GRP/IN LLC

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1930 E 106TH ST CARMEL IN 460324006, CARMEL, IN 46032-4006

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of July 1, 2025

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		$290,200 (+3.75%) Land $75,200 Building $215,000	$290,200 (+3.75%) Land $75,200 Building $215,000
2024	$2,898.00 (+1.54%)	$279,700 (-1.51%) Land $75,200 Building $204,500	$279,700 (-1.51%) Land $75,200 Building $204,500
2023	$2,854.00 (+4.31%)	$284,000 (+11.94%) Land $43,400 Building $240,600	$284,000 (+11.94%) Land $43,400 Building $240,600
2022	$2,736.00	$253,700 Land $43,400 Building $210,300	$253,700 Land $43,400 Building $210,300

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

Flood

FEMA maps place 10748 Downing St in Zone X, an area of minimal flood risk.

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	2 in force

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 10748 Downing St 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 99.1% of the US · lower than 94% 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 275 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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