13315 Mercer St, Carmel, IN 46032 Property Records

Hamilton County property record for 13315 Mercer St, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,164 sqft · built 2010
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Last Sale	$521,300 (Sep 2010)
Tax Bill	$13,555 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Jun 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-28-052-022.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-28-052-022.000-018`
Alternative APN	`1709280052022000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	18 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	4,164 sqft Living Area
Gross Area	7,097 sqft
1st Floor Area	6,309 sqft
2nd Floor Area	2,019 sqft
Basement Area	2,145 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Construction Type	Frame
Roof Material	Asphalt
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	150 ft deep x 134 ft wide
Garage Type	Attached
Garage Area	788 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	13315 MERCER ST
City	CARMEL
State	IN
Zip	46032-4423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .48, SECTION 28, TOWNSHIP 18, RANGE 3, VILLAGE OF WESTCLAY, SECTION 10012, LOT 184, IRREGULAR SHAPE
Legal Range	03
Legal Township	18
Legal Section	28
Legal Subdivision	VILLAGE OF WESTCLAY SECTION 10012
Legal Lot Number	184
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3014
Census Tract	110909

Owner

13315 Mercer St is owned and occupied by two individuals who bought it in September 2010.

Source: Hamilton County records, as of August 31, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	13315 MERCER ST, CARMEL, IN 46032-4423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2019	Deed of Trust, Mortgage LOANDEPOT.COM LLC
Jun 22, 2018	Loan Modification, Mortgage OTHER
Jun 22, 2017	Loan Modification, Mortgage NATIONAL BK/INDIANAPOLIS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2010 · Amount on File
Deed Sale	Sep 28, 2010 · Amount on File
Deed Document Number	201048061
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	13315 MERCER ST, CARMEL, IN 46032-4423
Document Number	0000002543
Instrument Date	Dec 31, 2019
Transaction Type	Mortgage
Record Updated	Feb 12, 2020
Title Company	PINNACLE LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13315 MERCER ST CARMEL IN 460324423, CARMEL, IN 46032-4423

Mortgage

Document Number	0000002543
Date	Jan 15, 2020
Instrument	2543

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 14, 2050

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON IN
Property Address	13315 MERCER ST, CARMEL, IN 46032-4423
Document Number	0000035920
Instrument Date	Jun 22, 2018
Transaction Type	Mortgage
Record Updated	Sep 4, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13315 MERCER ST CARMEL IN 460324423, CARMEL, IN 46032-4423

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON IN
Property Address	13315 MERCER ST, CARMEL, IN 46032-4423
Document Number	0000034106
Instrument Date	Jun 22, 2017
Transaction Type	Mortgage
Record Updated	Jan 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13315 MERCER ST CARMEL IN 460324423, CARMEL, IN 46032-4423

Mortgage

Document Number	0000034106
Date	Jul 18, 2017
Instrument	34106

Lender

Name	NATIONAL BK/INDIANAPOLIS
Type	Bank
Address	INDIANAPOLIS, IN 46204

Agreement

Term	12 Months
Due	Jul 17, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 13315 Mercer St was $13,555 with a homeowner's exemption, up 13.6% from the year before.

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	$13,555.00 (+13.63%)	$1,214,100 (+17.25%) Land $247,900 Building $966,200	$1,214,100 (+17.25%) Land $247,900 Building $966,200
2024	$11,929.00 (+33.67%)	$1,035,500 (+32.06%) Land $247,900 Building $787,600	$1,035,500 (+32.06%) Land $247,900 Building $787,600
2023	$8,924.00 (+10.97%) Homeowner's exemption	$784,100 (+11.92%) Land $247,900 Building $536,200	$784,100 (+11.92%) Land $247,900 Building $536,200
2022	$8,042.00 Homeowner's exemption	$700,600 Land $126,900 Building $573,700	$700,600 Land $126,900 Building $573,700

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

Flood

FEMA maps place 13315 Mercer St in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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

Wildfire risk around 13315 Mercer St 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 99.1% of the US · lower than 94% 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 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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