13309 Carmichael Ln, Carmel (Westfield), IN 46074 Property Records

Hamilton County property record for 13309 Carmichael Ln, Carmel, IN 46074

Property Summary

Property Type	Single Family Home
Details	3 bd · 6 ba · 5,216 sqft · built 2006
Lot Size	0.469 acres (20,473 sqft)
Owner	Individual Name on File
Last Sale	$1,139,500 (Jul 2025)
Tax Bill	$8,914 (2024)
Deeds & Mortgages	Oct 2021 Line of Credit Jul 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-30-007-038.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-30-007-038.000-018`
Alternative APN	`1709300007038000`

Interior

Bedrooms	3 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	23 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	5,216 sqft Living Area
1st Floor Area	2,844 sqft
2nd Floor Area	852 sqft
Basement Area	2,029 sqft
Finished Basement	1,520 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	20,473 sqft (0.469 acres)
Lot Dimensions	160 ft deep x 253 ft wide
Garage Type	Attached
Garage Area	785 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709300007038000
Street Address	13309 CARMICHAEL LN
City	CARMEL
State	IN
Zip	46074-8474
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .47, SECTION 30, TOWNSHIP 18, RANGE 3, BELLEWOOD, LOT 38, IRREGULAR SHAPE
Legal Range	03
Legal Township	18
Legal Section	30
Legal Subdivision	BELLEWOOD SUBDIVISION
Legal Lot Number	38
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2009
Census Tract	110910

Owner

13309 Carmichael Ln is owned and occupied by an individual who bought it in July 2025.

Source: Hamilton County records, as of March 4, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	13309 CARMICHAEL LN, CARMEL, IN 46074-8474
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 25, 2021	Deed of Trust, Mortgage · Line of Credit ELEMENTS FINANCIAL FCU
Jul 8, 2025	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Jul 29, 2022	Warranty Deed, Transfer INDIANA HOME TITLE LLC, INDIANA HOME TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2025 · Amount on File
Deed Sale	Jul 8, 2025 · Amount on File
Prior Sale	Jul 29, 2022 · Amount on File
Deed Document Number	2025027061
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	13309 CARMICHAEL LN, CARMEL, IN 46074-8474
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000077180
Date	Oct 25, 2021
Instrument	2021077180

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 15, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jul 8, 2025
Property Address	13309 CARMICHAEL LN, CARMEL, IN 46074-8474
Document Number	0000027061
Map Reference	DOC 200600044677
Instrument Date	Jun 9, 2025
Instrument	2025027061
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
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	13309 CARMICHAEL LN, CARMEL, IN 46074-8474

Mortgage

Document Number	0000027062
Date	Jul 8, 2025
Instrument	2025027062

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2040

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jul 29, 2022
Property Address	13309 CARMICHAEL LN, CARMEL, IN 46074-8474
Document Number	0000037606
Map Reference	DOC 200500044405
Instrument Date	Jul 26, 2022
Instrument	2022037606
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	INDIANA HOME TITLE LLC, INDIANA HOME TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	13309 CARMICHAEL LN, CARMEL, IN 46074-8474

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of July 1, 2025

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		$823,500 (+6.63%) Land $223,200 Building $600,300	$823,500 (+6.63%) Land $223,200 Building $600,300
2024	$8,914.00 (-1.12%)	$772,300 (-0.83%) Land $223,200 Building $549,100	$772,300 (-0.83%) Land $223,200 Building $549,100
2023	$9,015.00 (+18.42%) Homeowner's exemption	$778,800 (+18.27%) Land $223,200 Building $555,600	$778,800 (+18.27%) Land $223,200 Building $555,600
2022	$7,613.00 Homeowner's exemption	$658,500 Land $153,100 Building $505,400	$658,500 Land $153,100 Building $505,400

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

Flood

FEMA maps place 13309 Carmichael Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 13309 Carmichael Ln 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 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
Also Mapped Here	CITIZENS WATER - INDIANAPOLIS
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 163 locations within half a mile, as of December 31, 2025

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

May also be available: Metronet.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Carmichael Ln

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