13440 Dunes Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 13440 Dunes Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,374 sqft · built 1995
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Jun 2021)
Tax Bill	$4,713 (2024)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-09-26-004-024.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-26-004-024.000-018`
Alternative APN	`1609260004024000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,374 sqft Living Area
1st Floor Area	949 sqft
2nd Floor Area	1,025 sqft
Basement Area	702 sqft
Finished Basement	400 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	133 ft deep x 52 ft wide
Garage Type	Attached
Garage Area	924 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1609260004024000
Street Address	13440 DUNES DR
City	CARMEL
State	IN
Zip	46032-9593
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .30, SECTION 26, TOWNSHIP 18, RANGE 3, PARK MEADOWS PARKS AT SPRINGMILL, SECTION 3, LOT 24
Legal Range	03
Legal Township	18
Legal Section	26
Legal Subdivision	THE PARKS AT SPRINGMILL SECTION THREE
Legal Block	3
Legal Lot Number	24
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2012
Census Tract	110906

Owner

13440 Dunes Dr is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	13440 DUNES DR, CARMEL, IN 46032-9593
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
Jun 10, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 22, 2020	Deed of Trust, Mortgage FORUM CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2021 · Amount on File
Deed Sale	Jun 10, 2021 · Amount on File
Prior Sale	Sep 1, 2010
Deed Document Number	2021043037
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 10, 2021
Property Address	13440 DUNES DR, CARMEL, IN 46032-9593
Document Number	0000043037
Map Reference	DOC 944737
Instrument Date	Jun 5, 2021
Instrument	2021043037
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13440 DUNES DR, CARMEL, IN 46032-9593
Investor	Possibly a Property Investor

Mortgage

Document Number	0000043038
Date	Jun 10, 2021
Instrument	2021043038

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	13440 DUNES DR, CARMEL, IN 46032-9593
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000094403
Date	Dec 22, 2020
Instrument	2020094403

Lender

Name	FORUM CU
Type	Credit Union
Address	46838

Agreement

Amount	Amount on Record
Term	204 Months
Due	Dec 22, 2037

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		$473,800 (+11.35%) Land $92,700 Building $381,100	$473,800 (+11.35%) Land $92,700 Building $381,100
2024	$4,713.00 (+8.34%)	$425,500 (+4.37%) Land $92,700 Building $332,800	$425,500 (+4.37%) Land $92,700 Building $332,800
2023	$4,350.00 (+21%) Homeowner's exemption	$407,700 (+28.57%) Land $74,900 Building $332,800	$407,700 (+28.57%) Land $74,900 Building $332,800
2022	$3,595.00	$317,100 Land $74,900 Building $242,200	$317,100 Land $74,900 Building $242,200

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

Flood

FEMA maps place 13440 Dunes Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, 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

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 13440 Dunes Dr 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 98% of the US · lower than 85% 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 344 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 / 50
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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