Hamilton County property record for 109 John St, Carmel, IN 46032
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,284 sqft · built 1959 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,683 (2024) |
| Deeds & Mortgages | Oct 2025 Mortgage Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-09-24-204-003.000-018 |
| Primary APN | 29-09-24-204-003.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,284 sqft Living Area |
| 1st Floor Area | 1,284 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Other |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 19,602 sqft (0.45 acres) |
| Garage Type | Mixed |
| Garage Area | 1,016 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 1609240204003000 |
|---|---|
| Street Address | 109 JOHN ST |
| City | CARMEL |
| State | IN |
| Zip | 46032-1210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .00, SECTION 24, TOWNSHIP 18, RANGE 3, ROLLING MEADOWS, SECTION 2, LOT 35 |
| Legal Range | 03 |
| Legal Township | 18 |
| Legal Section | 24 |
| Legal Subdivision | ROLLING MDWS AMD ADD 2ND SEC |
| Legal Block | 2 |
| Legal Lot Number | 35 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 110906 |
Source: Hamilton County records, as of March 4, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 109 JOHN ST, CARMEL, IN 46032-1210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 21, 2025 | Intrafamily Transfer, Transfer · Conventional Mortgage LOWER LLC |
| Oct 2, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage FRANKLIN AMERICAN MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 1, 2006 |
| Deed Sale | Mar 1, 2006 |
| Prior Sale | Oct 2, 2017 |
| Deed Document Number | 200600011437 |
| Last Transfer Date | Oct 21, 2025 |
| Transfer Doc | 0000045100 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Oct 21, 2025 |
| Property Address | 109 JOHN ST, CARMEL, IN 46032-1210 |
| Document Number | 0000045100 |
| Map Reference | MB 2 PG 140 |
| Instrument Date | Sep 30, 2025 |
| Instrument | 2025045100 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 JOHN ST, CARMEL, IN 46032-1210 |
| Document Number | 0000045101 |
|---|---|
| Date | Oct 21, 2025 |
| Instrument | 2025045101 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Oct 2, 2017 |
| Property Address | 109 JOHN ST, CARMEL, IN 46032-1210 |
| Document Number | 2017048764 |
| Map Reference | MB02 PG140 |
| Instrument Date | Sep 20, 2017 |
| Instrument | 2017048764 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 109 JOHN ST, 109, CARMEL, IN 46032-1210 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 109 JOHN ST, CARMEL, IN 46032-1210 |
| Document Number | 2017048765 |
|---|---|
| Date | Oct 2, 2017 |
| Instrument | 2017048765 |
| Name | FRANKLIN AMERICAN MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 1, 2037 |
Source: Hamilton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Clay Township |
| Municipality | Carmel City |
| Unified School District | Carmel Clay Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $279,400 (+7.09%) Land $93,400 Building $186,000 | $279,400 (+7.09%) Land $93,400 Building $186,000 | |
| 2024 | $2,683.00 (+15.35%) | $260,900 (+12.89%) Land $93,400 Building $167,500 | $260,900 (+12.89%) Land $93,400 Building $167,500 |
| 2023 | $2,326.00 (+8.39%) | $231,100 (+15.32%) Land $63,600 Building $167,500 | $231,100 (+15.32%) Land $63,600 Building $167,500 |
| 2022 | $2,146.00 | $200,400 Land $63,600 Building $136,800 | $200,400 Land $63,600 Building $136,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Jun 1978 · tidal / storm surge |
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 268 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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