13321 Mercer St, Carmel, IN 46032 Property Records

Hamilton County property record for 13321 Mercer St, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 7,717 sqft · built 2007
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Tax Bill	$14,465 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-28-053-018.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-28-053-018.000-018`
Alternative APN	`1709280053018000`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	24 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	7,717 sqft Living Area
1st Floor Area	3,592 sqft
2nd Floor Area	2,276 sqft
Attic	Attic
Attic Area	1,076 sqft
Basement Area	2,466 sqft
Finished Basement	1,849 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	167 ft deep x 109 ft wide
Garage Type	Attached
Garage Area	1,076 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709280053018000
Street Address	13321 MERCER ST
City	CARMEL
State	IN
Zip	46032-4423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .40, SECTION 28, TOWNSHIP 18, RANGE 3, VILLAGE OF WESTCLAY, SECTION 9003, LOT 28, IRREGULAR SHAPE
Legal Range	03
Legal Township	18
Legal Section	28
Legal Subdivision	WESTCLAY
Legal Lot Number	28 109
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3015
Census Tract	110909

Owner

Source: Hamilton County records, as of March 4, 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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	13321 MERCER ST, CARMEL, IN 46032-4423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 28, 2020	Deed of Trust, Mortgage HOME PT FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2012
Deed Sale	Jun 20, 2012
Prior Sale	Apr 7, 2008
Deed Document Number	2012033801
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	13321 MERCER ST, CARMEL, IN 46032-4423
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057038
Date	Aug 4, 2021
Instrument	2021057038

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	13321 MERCER ST, CARMEL, IN 46032-4423
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008721
Date	Feb 19, 2020
Instrument	2020008721

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	145 Months
Due	Mar 1, 2032

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	13321 MERCER ST, CARMEL, IN 46032-4423
Document Number	0000060441
Instrument Date	Aug 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 7, 2020
Title Company	NTC - KEY W

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13321 MERCER ST CARMEL IN 460324423, CARMEL, IN 46032-4423

Mortgage

Document Number	0000060441
Date	Sep 2, 2020
Instrument	60441

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2035

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		$1,481,800 (+18.4%) Land $240,100 Building $1,241,700	$1,481,800 (+18.4%) Land $240,100 Building $1,241,700
2024	$14,465.00 (+37.64%)	$1,251,500 (+36.03%) Land $240,100 Building $1,011,400	$1,251,500 (+36.03%) Land $240,100 Building $1,011,400
2023	$10,509.00 (+10.98%) Homeowner's exemption	$920,000 (+11.98%) Land $240,100 Building $679,900	$920,000 (+11.98%) Land $240,100 Building $679,900
2022	$9,469.00 Homeowner's exemption	$821,600 Land $122,900 Building $698,700	$821,600 Land $122,900 Building $698,700

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
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

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.

Nearby Properties on Mercer St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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