11904 Spring Mill Rd, Carmel, IN 46032 Property Records

Hamilton County property record for 11904 Spring Mill Rd, Carmel, IN 46032

Property Summary

Property Type	Condominium
Details	3 bd · 3.5 ba · 3,174 sqft · built 2024
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$798,000 (Jun 2025)
Tax Bill	$44 (2023)
Deeds & Mortgages	Jun 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-09-34-020-042.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-34-020-042.000-018`
Alternative APN	`1709340020042000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,174 sqft Living Area
Gross Area	4,328 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Condo/Apartment
Construction Type	Brick
Roof Material	Asphalt
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Attached
Garage Area	1,154 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	11904 SPRING MILL RD
City	CARMEL
State	IN
Zip	46032-0099
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	ACREAGE .08, SECTION 34, TOWNSHIP 18, RANGE 3, JACKSONS GRANT VILLAGE/TOWNHOMES, SECTION 2, LOT 63, IRREGULAR SHAPE
Legal Subdivision	JACKSONS GRANT VILLAGE/TOWNHOMES SECTION
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3021
Census Tract	111009

Owner

Source: Hamilton County records, as of July 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	11904 SPRING MILL RD, CARMEL, IN 46032-0099
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2025 · Amount on Record
Deed Sale	Jun 18, 2025 · Amount on Record
Prior Sale	Jan 31, 2024 · Amount on Record
Deed Document Number	202524030
Record Updated	Sep 20, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 18, 2025
Property Address	11904 SPRING MILL RD, CARMEL, IN 46032-0099
Document Number	0000024030
Map Reference	DOC 20230542671
Instrument Date	Jun 18, 2025
Instrument	2025024030
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	INDIANA HOME TITLE LLC, INDIANA HOME TITLE

Transaction

Amount	Amount Recorded
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
Address	11904 SPRING MILL RD, CARMEL, IN 46032-0099

Mortgage

Document Number	0000024031
Date	Jun 18, 2025
Instrument	2025024031

Lender

Name	UNITED SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2026
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	12.5%

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 16, 2026

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		$536,700 Land $185,700 Building $351,000	$536,700 Land $185,700 Building $351,000
2023	$44.00

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
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.

Wildfire

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

Wildfire Risk	Low lower than 97% of the US · lower than 78% 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.

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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