Hamilton County property record for 1177 Clay Spring Dr, Carmel, IN 46032
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 3,154 sqft · built 1995 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Owner Name on Record |
| Tax Bill | $5,210 (2024) |
| Deeds & Mortgages | Nov 2025 Line of Credit Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-09-34-007-030.000-018 |
| Primary APN | 29-09-34-007-030.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,154 sqft Living Area |
| 1st Floor Area | 1,542 sqft |
| 2nd Floor Area | 1,612 sqft |
| Attic | Attic |
| Attic Area | 543 sqft |
| Basement Area | 1,212 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Architectural Style | Other |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 17,860 sqft (0.41 acres) |
| Lot Dimensions | 150 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 789 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1709340007030000 |
|---|---|
| Street Address | 1177 CLAY SPRING DR |
| City | CARMEL |
| State | IN |
| Zip | 46032-9743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .41, SECTION 34, TOWNSHIP 18, RANGE 3, CLAY SPRINGS, SECTION 1, LOT 4 |
| Legal Range | 03 |
| Legal Township | 18 |
| Legal Section | 34 |
| Legal Subdivision | CLAY SPRINGS SECTION 1 |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 111009 |
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 | Owner Name on Record |
|---|---|
| Mailing Address | 1177 CLAY SPRING DR, CARMEL, IN 46032-9743 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Nov 25, 2025 | Deed of Trust, Mortgage · Line of Credit LAKE CITY BANK |
| Apr 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Oct 11, 2018 | Deed of Trust, Mortgage · Line of Credit TEACHERS CU |
| Deed Names | Name on Deed |
|---|---|
| Prior Sale | Sep 3, 2002 |
| Last Transfer Date | Mar 7, 2006 |
| Transfer Doc | 0000012735 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 1177 CLAY SPRING DR, CARMEL, IN 46032-9743 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1177 CLAY SPRING DR, CARMEL, IN 46032-9743 |
| Document Number | 0000051150 |
|---|---|
| Date | Nov 25, 2025 |
| Instrument | 2025051150 |
| Name | LAKE CITY BANK |
|---|---|
| Type | Bank |
| Address | WARSAW, IN 46580 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 20, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 1177 CLAY SPRING DR, CARMEL, IN 46032-9743 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021031171 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | 2021031171 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 1177 CLAY SPRING DR, CARMEL, IN 46032-9743 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000048431 |
|---|---|
| Date | Oct 11, 2018 |
| Instrument | 2018048431 |
| Name | TEACHERS CU |
|---|---|
| Type | Credit Union |
| Address | SOUTH BEND, IN 46601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 156 Months |
| Due | Oct 5, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $549,700 (+18.14%) Land $183,800 Building $365,900 | $549,700 (+18.14%) Land $183,800 Building $365,900 | |
| 2024 | $5,210.00 (+3.23%) | $465,300 (-) Land $183,800 Building $281,500 | $465,300 (-) Land $183,800 Building $281,500 |
| 2023 | $5,047.00 (+5.54%) Homeowner's exemption | $465,300 (+10.68%) Land $183,800 Building $281,500 | $465,300 (+10.68%) Land $183,800 Building $281,500 |
| 2022 | $4,782.00 Homeowner's exemption | $420,400 Land $85,400 Building $335,000 | $420,400 Land $85,400 Building $335,000 |
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 |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 10 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 85% 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.
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 188 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 DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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