13 Circle Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 13 Circle Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,458 sqft · built 1955
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,153 (2024)
Deeds & Mortgages	Aug 2026 Mortgage Mar 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-24-402-005.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-24-402-005.000-018`
Alternative APN	`1609240402005000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,458 sqft Living Area
Gross Area	2,498 sqft
1st Floor Area	1,458 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	24,394 sqft (0.56 acres)
Lot Dimensions	203 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	1,040 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	13 CIRCLE DR
City	CARMEL
State	IN
Zip	46032-1355
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 24, TOWNSHIP 18, RANGE 3, WALTERS ROLLING ACRES, LOT 32, IRREGULAR SHAPE
Legal Range	03
Legal Township	18
Legal Section	24
Legal Subdivision	WALTERS ROLLING ACRES
Legal Lot Number	32
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1005
Census Tract	110906

Owner

Source: Hamilton County records, as of September 1, 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	13 CIRCLE DR, CARMEL, IN 46032-1355
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 7, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Mar 16, 2023	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Nov 9, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2010
Deed Sale	Mar 8, 2010
Deed Document Number	201010285
Last Transfer Date	Oct 11, 2021
Transfer Doc	0000081062
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Aug 19, 2026
Property Address	13 CIRCLE DR, CARMEL, IN 46032-1355
Document Number	0000037805
Instrument Date	Aug 14, 2026
Instrument	202637805
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	CLOSING USA LLC, CLOSING USA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 CIRCLE DR, CARMEL, IN 46032-1355

Mortgage

Document Number	0000037805,
Date	Aug 19, 2026
Instrument	202637805

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	13 CIRCLE DR, CARMEL, IN 46032-1355
Transaction Type	Mortgage
Record Updated	Mar 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007701
Date	Mar 7, 2024
Instrument	2024007701

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	13 CIRCLE DR, CARMEL, IN 46032-1355
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008390
Date	Mar 16, 2023
Instrument	2023008390

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON IN
Recording Date	Nov 9, 2021
Property Address	13 CIRCLE DR, CARMEL, IN 46032-1355
Document Number	0000081062
Map Reference	MB 137 PG 117
Instrument Date	Oct 11, 2021
Instrument	2021081062
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 CIRCLE DR, CARMEL, IN 46032-1355

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		$241,500 (+9.97%) Land $63,100 Building $178,400	$241,500 (+9.97%) Land $63,100 Building $178,400
2024	$2,153.00 (+55.79%)	$219,600 (+36.06%) Land $63,100 Building $156,500	$219,600 (+36.06%) Land $63,100 Building $156,500
2023	$1,382.00 (+30.25%)	$161,400 (+4.53%) Land $63,100 Building $98,300	$161,400 (+4.53%) Land $63,100 Building $98,300
2022	$1,061.00	$154,400 Land $55,300 Building $99,100	$154,400 Land $55,300 Building $99,100

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Jun 1978 · tidal / storm surge

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 94% of the US · lower than 63% 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 234 locations within half a mile, as of December 31, 2025

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

May also be available: Metronet, Xfinity.

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