121 Ute Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 121 Ute Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,513 sqft · built 2017
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Trust Names on File
Tax Bill	$9,338 (2024)
Deeds & Mortgages	Jun 2026 Transfer Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-31-109-003.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-31-109-003.000-018`
Alternative APN	`1610310109003000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,513 sqft Living Area
Gross Area	5,538 sqft
1st Floor Area	2,337 sqft
Basement Area	2,337 sqft
Finished Basement	1,176 sqft
Unfinished Basement	1,161 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Frame
Roof Material	Asphalt
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	233 ft deep x 86 ft wide
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Pool Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	121 UTE DR
City	CARMEL
State	IN
Zip	46032-2654
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 31, TOWNSHIP 18, RANGE 4, NEWARK, LOT 96 & PT 97
Legal Range	04
Legal Township	18
Legal Section	31
Legal Subdivision	NEWARK
Legal Lot Number	96
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2015
Census Tract	111007

Owner

121 Ute Dr is owner-occupied and held in a trust since June 2026.

Source: Hamilton County records, as of June 30, 2026

Owner of Record	2 Trust Names on File
Mailing Address	121 UTE DR, CARMEL, IN 46032-2654
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Jun 18, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage ELEMENTS FINANCIAL FCU
Jan 9, 2018	Loan Modification, Mortgage FIRST INTERNET BK/IN
Feb 16, 2017	Deed of Trust, Mortgage FIRST INTERNET BK/IN
Jan 25, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2017
Deed Sale	Jan 25, 2017
Prior Sale	Dec 7, 2016
Deed Document Number	20173665
Last Transfer Date	Jun 15, 2026
Transfer Doc	0000027294
Record Updated	Sep 20, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 18, 2026
Property Address	121 UTE DR, CARMEL, IN 46032-2654
Document Number	0000027294
Instrument Date	Jun 15, 2026
Instrument	202627294
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	121 UTE DR, CARMEL, IN 46032-2654

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	121 UTE DR, CARMEL, IN 46032-2654
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000092950
Date	Dec 18, 2020
Instrument	2020092950

Lender

Name	ELEMENTS FINANCIAL FCU
Type	Credit Union
Address	INDIANAPOLIS, IN 46202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON IN
Property Address	121 UTE DR, CARMEL, IN 46032-2654
Document Number	0000005575
Instrument Date	Jan 9, 2018
Transaction Type	Mortgage
Record Updated	Mar 14, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	121 UTE DR CARMEL IN 460322654, CARMEL, IN 46032-2654

Mortgage

Document Number	0000005575
Date	Feb 12, 2018
Instrument	5575

Lender

Name	FIRST INTERNET BK/IN
Type	Bank
Address	FISHERS, IN 46037

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 11, 2048

Interest

Rate Type	Fixed Rate
Rate	4.12%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	121 UTE DR, CARMEL, IN 46032-2654
Document Number	0000008027
Instrument Date	Feb 16, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	121 UTE DR CARMEL IN 460322654, CARMEL, IN 46032-2654

Mortgage

Document Number	0000008027
Date	Feb 24, 2017
Instrument	8027

Lender

Name	FIRST INTERNET BK/IN
Type	Bank
Address	FISHERS, IN 46037

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2047

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jan 25, 2017
Property Address	121 UTE DR, CARMEL, IN 46032-2654
Document Number	0000003665
Instrument Date	Jan 20, 2017
Instrument	3665
Transaction Type	Transfer
Record Updated	Dec 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14477 JEFFREY CT CARMEL IN 460320006, CARMEL, IN 46032-0006

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		$859,800 (+5.91%) Land $173,200 Building $686,600	$859,800 (+5.91%) Land $173,200 Building $686,600
2024	$9,338.00 (+2.88%)	$811,800 (+3.56%) Land $173,200 Building $638,600	$811,800 (+3.56%) Land $173,200 Building $638,600
2023	$9,077.00 (-1.56%) Homeowner's exemption	$783,900 (-0.66%) Land $173,200 Building $610,700	$783,900 (-0.66%) Land $173,200 Building $610,700
2022	$9,221.00 Homeowner's exemption	$789,100 Land $154,200 Building $634,900	$789,100 Land $154,200 Building $634,900

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

Flood

FEMA maps place 121 Ute Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2011.

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
Nearby Flood Claims	5 (2011–2015)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jul 2015 · other causes

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

Wildfire risk around 121 Ute Dr 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 95% of the US · lower than 68% 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.

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

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

May also be available: Metronet, Xfinity.

Nearby Properties on Ute Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures