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13318 Mercer St, Carmel, IN 46032 Property Records

Hamilton County property record for 13318 Mercer St, Carmel, IN 46032

Property Summary

Property TypeSingle Family Home
Details4 bd · 4.5 ba · 6,358 sqft · built 2007
Lot Size0.49 acres (21,344 sqft)
OwnerTrust Name on File
Last Sale$670,000 (Dec 2020)
Tax Bill$14,519 (2024)
Deeds & MortgagesDec 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN29-09-28-053-017.000-018

Property Details

APN / Parcel Number

Primary APN29-09-28-053-017.000-018
Alternative APN
  • 1709280053017000

Interior

Bedrooms4 Beds
Full Baths4.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures20 Plumbing Fixtures
Total Rooms6 Rooms
Stories2 Stories
Building Area6,358 sqft Living Area
Gross Area7,716 sqft
1st Floor Area6,884 sqft
2nd Floor Area2,452 sqft
Basement Area2,132 sqft
Finished Basement1,782 sqft
Unfinished Basement350 sqft
Game RoomGame Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Construction TypeFrame
Foundation TypeNo Foundation
Roof MaterialAsphalt
Lot Area21,344 sqft (0.49 acres)
Lot Dimensions210 ft deep x 111 ft wide
Garage TypeAttached
Garage Area1,008 sqft
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address13318 MERCER ST
CityCARMEL
StateIN
Zip46032-4422
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionACREAGE .49, SECTION 28, TOWNSHIP 18, RANGE 3, VILLAGE OF WESTCLAY, SECTION 9003, LOT 27, IRREGULAR SHAPE
Legal Range03
Legal Township18
Legal Section28
Legal SubdivisionVILLAGE OF WESTCLAY SECTION 9003
Legal Lot Number27
JurisdictionHAMILTON IN
Township / Civil DivisionCLAY
Census Block Group3
Census Block3016
Census Tract110909

Owner

13318 Mercer St is owner-occupied and held in a trust since December 2020.

Source: Hamilton County records, as of March 16, 2026

Owner of RecordTrust Name on File
Mailing Address13318 MERCER ST, CARMEL, IN 46032-4422
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 16, 2020 · Amount on File
Deed SaleDec 16, 2020 · Amount on File
Prior SaleJun 30, 2008 · Amount on File
Deed Document Number202092425
Prior Transfer DateDec 15, 2020
Prior Transfer Doc0000092425
Record UpdatedOct 29, 2026

December 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHAMILTON IN
Recording DateDec 16, 2020
Property Address13318 MERCER ST, CARMEL, IN 46032-4422
Document Number2020092425
Map ReferenceDOC 2008-421
Instrument DateDec 11, 2020
Instrument2020092425
Transaction TypeTransfer
Record UpdatedOct 22, 2021
Title CompanyMERIDIAN TITLE CORP

Transaction

Tax$0.00
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address13318 MERCER ST, CARMEL, IN 46032-4422

Mortgage

Document Number2020092424
DateDec 16, 2020
Instrument2020092424
Lender
NameRAYMOND JAMES BANK FSB
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2051
Interest
Rate TypeAdjustable Rate
Rate3.12%
AdjustableAdjustable Rate Rider
Type Change DateJan 1, 2036
Change FrequencyAnnually
Min Rate At Change2.87%
Max Rate At Change8.12%
Index1-Year LIBOR
Max Rate8.12%

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 16, 2026

Property Jurisdictions

TypeName
StateIndiana
CountyHamilton County
County SubdivisionClay Township
MunicipalityCarmel City
Unified School DistrictCarmel Clay Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,493,100 (+18.87%) Land $249,700 Building $1,243,400$1,493,100 (+18.87%) Land $249,700 Building $1,243,400
2024$14,519.00 (+35.87%)$1,256,100 (+34.33%) Land $249,700 Building $1,006,400$1,256,100 (+34.33%) Land $249,700 Building $1,006,400
2023$10,686.00 (+8.43%) Homeowner's exemption$935,100 (+9.46%) Land $249,700 Building $685,400$935,100 (+9.46%) Land $249,700 Building $685,400
2022$9,855.00 Homeowner's exemption$854,300 Land $127,900 Building $726,400$854,300 Land $127,900 Building $726,400

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

Flood

FEMA maps place 13318 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies2 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 13318 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 RiskLow
lower than 99.1% of the US · lower than 94% of Indiana
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCARMEL WATER DEPARTMENT
serves 99,927 people · EPA ID IN5229004
Water SourceGroundwater influenced by surface water
Last State InspectionAug 2024
Lead3 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2024
E. coli
resolved · Oct 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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