112 3rd Ave NW, Carmel, IN 46032 Property Records

Hamilton County property record for 112 3rd Ave NW, Carmel, IN 46032

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 2,367 sqft · built 2017
Lot Size	0.019 acres (871 sqft)
Owner	Individual Name on File
Last Sale	$610,000 (Aug 2025)
Tax Bill	$5,321 (2024)
Deeds & Mortgages	Feb 2026 Line of Credit Aug 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-25-203-019.002-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-25-203-019.002-018`
Alternative APN	`1609250203019002`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	2,367 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Roof Material	Asphalt
Lot Area	871 sqft (0.019 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1609250203019002
Street Address	112 3RD AVE NW
City	CARMEL
State	IN
Zip	46032-1732
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	ACREAGE .00, SECTION 25, TOWNSHIP 18, RANGE 3, MONON RESERVE, SQUARE FEET (CONDO) 1,007.00, UNIT 2, % OF COMMON AREA
Legal Subdivision	MONON RESERVE CONDOS
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2001
Census Tract	110905

Owner

112 3rd Ave NW, a condominium, is owned and occupied by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	112 3RD AVE NW, CARMEL, IN 46032-1732
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
Feb 20, 2026	Deed of Trust, Mortgage · Line of Credit INDIANA MEMBERS CU
Aug 29, 2025	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
May 19, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
May 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2025 · Amount on File
Deed Sale	Aug 29, 2025 · Amount on File
Prior Sale	May 19, 2023 · Amount on File
Deed Document Number	2025036771
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	112 3RD AVE NW, CARMEL, IN 46032-1732
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006835
Date	Feb 20, 2026
Instrument	2026006835

Lender

Name	INDIANA MEMBERS CU
Type	Credit Union
Address	INDIANAPOLIS, IN 46240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 29, 2025
Property Address	112 3RD AVE NW, CARMEL, IN 46032-1732
Document Number	0000036771
Map Reference	DOC 2017046947
Instrument Date	Aug 20, 2025
Instrument	2025036771
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	112 3RD AVE NW, CARMEL, IN 46032-1732

Mortgage

Document Number	0000036772
Date	Aug 29, 2025
Instrument	2025036772

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	SOFR Average 30-Day
Max Rate	10.7%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	May 19, 2023
Property Address	112 3RD AVE NW, CARMEL, IN 46032-1732
Document Number	0000018100
Map Reference	DOC 2017046948
Instrument Date	May 5, 2023
Instrument	2023018100
Transaction Type	Transfer
Record Updated	Sep 26, 2025
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	112 3RD AVE NW, CARMEL, IN 46032-1732

Mortgage

Document Number	0000018101
Date	May 19, 2023
Instrument	2023018101

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	112 3RD AVE NW, CARMEL, IN 46032-1732
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026775
Date	May 8, 2020
Instrument	2020026775

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	112 3RD AVE NW, CARMEL, IN 46032-1732
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000087335
Date	Nov 30, 2020
Instrument	2020087335

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

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

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		$580,000 (+22.31%) Land $86,000 Building $494,000	$580,000 (+22.31%) Land $86,000 Building $494,000
2024	$5,321.00 (+14.28%)	$474,200 (+9.52%) Land $86,000 Building $388,200	$474,200 (+9.52%) Land $86,000 Building $388,200
2023	$4,656.00 (+4.49%) Homeowner's exemption	$433,000 (+10.4%) Land $86,000 Building $347,000	$433,000 (+10.4%) Land $86,000 Building $347,000
2022	$4,456.00 Homeowner's exemption	$392,200 Land $86,000 Building $306,200	$392,200 Land $86,000 Building $306,200

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

Flood

FEMA maps place 112 3rd Ave NW 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	4 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

The area around 112 3rd Ave NW has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 401 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
On-Ramp Indiana Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

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