10820 Springmill Rd, Carmel, IN 46032 Property Records

Hamilton County property record for 10820 Springmill Rd, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 6,730 sqft · built 1999
Lot Size	9.31 acres (405,979 sqft)
Owner	Individual Name on Record
Last Sale	$1,975,000 (Oct 2020)
Tax Bill	$29,988 (2024)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-03-000-010.102-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-03-000-010.102-018`
Alternative APNs	`291303000010102034` `1713030000010102`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Half Baths	3 Half Baths
Plumbing Fixtures	22 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	6,730 sqft Living Area
1st Floor Area	2,808 sqft
2nd Floor Area	2,149 sqft
Attic	Attic
Attic Area	663 sqft
Basement Area	2,793 sqft
Finished Basement	1,396 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Architectural Style	Other
Roof Material	Asphalt
Lot Area	405,979 sqft (9.31 acres)
Garage Type	Attached
Garage Area	1,116 sqft
Parking Spaces	4 Parking Spaces
Pool Area	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1713030000010102
Old Parcel Number	291303000010102034
Street Address	10820 SPRINGMILL RD
City	CARMEL
State	IN
Zip	46032-8804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE 9.32, SECTION 3, TOWNSHIP 17, RANGE 3
Legal Range	03
Legal Township	17
Legal Section	03
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2004
Census Tract	111009

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	10820 SPRINGMILL RD, CARMEL, IN 46032-8804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2020 · Amount on Record
Deed Sale	Oct 9, 2020 · Amount on Record
Deed Document Number	2020072038
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 9, 2020
Property Address	10820 SPRINGMILL RD, CARMEL, IN 46032-8804
Document Number	2020072038
Instrument Date	Sep 28, 2020
Instrument	2020072038
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10820 SPRINGMILL RD, CARMEL, IN 46032-8804

Mortgage

Document Number	2020072039
Date	Oct 9, 2020
Instrument	2020072039

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.37%
Index	1-Year CMT
Max Rate	7.37%

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		$2,142,700 (+5.66%) Land $915,600 Building $1,227,100	$2,142,700 (+5.66%) Land $915,600 Building $1,227,100
2024	$29,988.00 (+3.09%)
2023	$29,088.00 (+0.96%) Homeowner's exemption	$2,027,900 (+6.4%) Land $915,600 Building $1,112,300	$2,027,900 (+6.4%) Land $915,600 Building $1,112,300
2022	$28,811.00 Homeowner's exemption	$1,905,900 Land $998,800 Building $907,100	$1,905,900 Land $998,800 Building $907,100

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	8 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

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

Wildfire Risk	Low lower than 93% of the US · above 45% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20