Hamilton County property record for 10951 Spring Mill Ln, Carmel, IN 46032
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,741 sqft · built 1984 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,072 (2024) |
| Deeds & Mortgages | Oct 2020 Line of Credit Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-13-02-305-027.000-018 |
| Primary APN | 29-13-02-305-027.000-018 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,741 sqft Living Area |
| 1st Floor Area | 1,402 sqft |
| 2nd Floor Area | 1,288 sqft |
| Basement Area | 1,402 sqft |
| Finished Basement | 1,051 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Architectural Style | Other |
| Roof Material | Asphalt |
| Lot Area | 30,492 sqft (0.7 acres) |
| Lot Dimensions | 253 ft deep x 95 ft wide |
| Garage Type | Attached |
| Garage Area | 762 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 420 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1713020305027000 |
|---|---|
| Old Parcel Number | 291302305027000034 |
| Street Address | 10951 SPRING MILL LN |
| City | CARMEL |
| State | IN |
| Zip | 46032-8852 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .70, SECTION 2, TOWNSHIP 17, RANGE 3, SPRING MILL PLACE, LOT 20 |
| Legal Range | 03 |
| Legal Township | 17 |
| Legal Section | 02 |
| Legal Subdivision | SPRING MILL PLACE |
| Legal Lot Number | 20 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 111009 |
10951 Spring Mill Ln is owned and occupied by two individuals who acquired it in August 2003.
Source: Hamilton County records, as of March 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10951 SPRING MILL LN, CARMEL, IN 46032-8852 |
| 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.
| Date | Document |
|---|---|
| Oct 19, 2020 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Aug 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA COMMERCIAL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 2003 |
| Deed Sale | Aug 5, 2003 |
| Prior Sale | Mar 5, 2001 |
| Deed Document Number | 200300077409 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 10951 SPRING MILL LN, CARMEL, IN 46032-8852 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000074586 |
|---|---|
| Date | Oct 19, 2020 |
| Instrument | 2020074586 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | BRECKSVILLE, OH 44141 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 444 Months |
| Due | Oct 3, 2057 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 10951 SPRING MILL LN, CARMEL, IN 46032-8852 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000056697 |
|---|---|
| Date | Aug 21, 2020 |
| Instrument | 2020056697 |
| Name | FINANCE OF AMERICA COMMERCIAL |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2035 |
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 | $518,200 (+14.07%) Land $138,600 Building $379,600 | $518,200 (+14.07%) Land $138,600 Building $379,600 | |
| 2024 | $5,072.00 (+3.59%) | $454,300 (+2.3%) Land $138,600 Building $315,700 | $454,300 (+2.3%) Land $138,600 Building $315,700 |
| 2023 | $4,896.00 (+1.37%) Homeowner's exemption | $444,100 (+4.59%) Land $138,600 Building $305,500 | $444,100 (+4.59%) Land $138,600 Building $305,500 |
| 2022 | $4,830.00 Homeowner's exemption | $424,600 Land $104,400 Building $320,200 | $424,600 Land $104,400 Building $320,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10951 Spring Mill Ln 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 | 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 risk around 10951 Spring Mill Ln 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 96% of the US · lower than 73% 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 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 |
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