10784 Downing St, Carmel, IN 46033 Property Records

Hamilton County property record for 10784 Downing St, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,772 sqft · built 1975
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$568,442 (Sep 2024)
Tax Bill	$3,760 (2024)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-14-05-184-002.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-14-05-184-002.000-018`
Alternative APNs	`291405J04002000018` `1614051804002000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,772 sqft Living Area
Gross Area	5,556 sqft
1st Floor Area	4,206 sqft
2nd Floor Area	1,152 sqft
Basement Area	1,434 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Row Home
Construction Type	Brick
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	160 ft deep x 58 ft wide
Garage Type	Attached
Garage Area	1,350 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	10784 DOWNING ST
City	CARMEL
State	IN
Zip	46033-3854
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 5, TOWNSHIP 17, RANGE 4, THE WOODLANDS, SECTION 3, LOT 71
Legal Range	04
Legal Township	17
Legal Section	05
Legal Subdivision	THE WOODLANDS SECTION 3
Legal Lot Number	71
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2010
Census Tract	111004

Owner

10784 Downing St is owned and occupied by two individuals who bought it in September 2024.

Source: Hamilton County records, as of March 16, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	10784 DOWNING ST, CARMEL, IN 46033-3854
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2022	Warranty Deed, Transfer · VA Mortgage USAA FSB
Oct 30, 2017	Warranty Deed, Transfer · Conventional Mortgage TUCKER MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2024 · Amount on File
Deed Sale	Sep 10, 2024 · Amount on File
Prior Sale	Aug 4, 2022 · Amount on File
Deed Document Number	202434008
Prior Transfer Date	Aug 30, 2004
Prior Transfer Doc	0000065238
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 4, 2022
Property Address	10784 DOWNING ST, CARMEL, IN 46033-3854
Document Number	0000038722
Map Reference	MB 5 PG 171-172
Instrument Date	Jul 12, 2022
Instrument	2022038722
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
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	10784 DOWNING ST, CARMEL, IN 46033-3854

Mortgage

Document Number	0000038723
Date	Aug 4, 2022
Instrument	2022038723

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 30, 2017
Property Address	10784 DOWNING ST, CARMEL, IN 46033-3854
Document Number	2017053544
Map Reference	MB6 PG119
Instrument Date	Oct 26, 2017
Instrument	2017053544
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10784 DOWNING ST, CARMEL, IN 46033-3854

Mortgage

Document Number	2017053545
Date	Oct 30, 2017
Instrument	2017053545

Lender

Name	TUCKER MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

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		$361,700 (+3.73%) Land $102,600 Building $259,100	$361,700 (+3.73%) Land $102,600 Building $259,100
2024	$3,760.00 (+6.21%)	$348,700 (+2.35%) Land $102,600 Building $246,100	$348,700 (+2.35%) Land $102,600 Building $246,100
2023	$3,540.00 (+3.3%)	$340,700 (+11.6%) Land $59,200 Building $281,500	$340,700 (+11.6%) Land $59,200 Building $281,500
2022	$3,427.00	$305,300 Land $59,200 Building $246,100	$305,300 Land $59,200 Building $246,100

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

Flood

FEMA maps place 10784 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 10784 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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