121 Harmony Rd, Carmel, IN 46032 Property Records

Hamilton County property record for 121 Harmony Rd, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,498 sqft · built 1968
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,900 (Jan 2020)
Tax Bill	$3,857 (2024)
Deeds & Mortgages	Nov 2017 Line of Credit Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-23-204-005.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-23-204-005.000-018`
Alternative APN	`1709230204005000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,498 sqft Living Area
Gross Area	2,362 sqft
1st Floor Area	1,498 sqft
Basement Area	381 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2005
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	186 ft deep x 102 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	121 HARMONY RD
City	CARMEL
State	IN
Zip	46032-1137
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 23, TOWNSHIP 18, RANGE 3, VILLAGE OF MT CARMEL, SECTION 4, LOT 106
Legal Range	03
Legal Township	18
Legal Section	23
Legal Subdivision	VILLAGE OF MT CARMEL SECTION 4
Legal Block	4
Legal Lot Number	106
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3013
Census Tract	110906

Owner

Source: Hamilton County records, as of March 16, 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	121 HARMONY RD, CARMEL, IN 46032-1137
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jan 15, 2020	Limited Warranty Deed, Transfer · Conventional Mortgage ATLANTIC UNION BANK
Oct 23, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2020 · Amount on Record
Deed Sale	Jan 15, 2020 · Amount on Record
Prior Sale	Oct 23, 2019 · Amount on Record
Deed Document Number	20202588
Prior Transfer Date	Mar 10, 2010
Prior Transfer Doc	2010011367
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	121 HARMONY RD, CARMEL, IN 46032-1137
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000058701
Date	Nov 29, 2017
Instrument	2017058701

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jan 15, 2020
Property Address	121 HARMONY RD, CARMEL, IN 46032-1137
Document Number	2020002588
Instrument Date	Jan 15, 2020
Instrument	2020002588
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 HARMONY RD, CARMEL, IN 46032-1137

Mortgage

Document Number	2020002589
Date	Jan 15, 2020
Instrument	2020002589

Lender

Name	ATLANTIC UNION BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

October 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 23, 2019
Property Address	121 HARMONY RD, CARMEL, IN 46032-1137
Document Number	0000052866
Instrument Date	Oct 3, 2019
Instrument	52866
Transaction Type	Foreclosure
Record Updated	Nov 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Notice of Foreclosure Sale Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12985 CHESNEY DR FISHERS IN 460377252, FISHERS, IN 46037-7252

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		$400,100 (+14.71%) Land $87,700 Building $312,400	$400,100 (+14.71%) Land $87,700 Building $312,400
2024	$3,857.00 (+11.06%)	$348,800 (+4.06%) Land $87,700 Building $261,100	$348,800 (+4.06%) Land $87,700 Building $261,100
2023	$3,473.00 (+8.5%)	$335,200 (+16.23%) Land $87,700 Building $247,500	$335,200 (+16.23%) Land $87,700 Building $247,500
2022	$3,201.00	$288,400 Land $87,700 Building $200,700	$288,400 Land $87,700 Building $200,700

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 96% of the US · lower than 73% 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 299 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	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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