1347 Clay Spring Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 1347 Clay Spring Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 4,096 sqft · built 1995
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,995 (2024)
Deeds & Mortgages	Aug 2023 Line of Credit Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-33-006-005.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-33-006-005.000-018`
Alternative APN	`1709330006005000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	4,096 sqft Living Area
1st Floor Area	1,526 sqft
2nd Floor Area	1,808 sqft
Basement Area	762 sqft
Finished Basement	762 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	17,860 sqft (0.41 acres)
Lot Dimensions	150 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709330006005000
Street Address	1347 CLAY SPRING DR
City	CARMEL
State	IN
Zip	46032-9753
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .41, SECTION 33, TOWNSHIP 18, RANGE 3, CLAY SPRINGS, SECTION 2, LOT 18
Legal Range	03
Legal Township	18
Legal Section	33
Legal Subdivision	CLAY SPGS
Legal Block	2
Legal Lot Number	18
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3030
Census Tract	111009

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	2 Individual Names on Record
Mailing Address	1347 CLAY SPRING DR, CARMEL, IN 46032-9753
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2023	Deed of Trust, Mortgage · Line of Credit FORUM CU
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage JLB CORP
Jun 30, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 30, 2017	Warranty Deed, Transfer FORUM CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2017
Deed Sale	Jun 30, 2017
Prior Sale	Jun 30, 2017
Deed Document Number	2017030926
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1347 CLAY SPRING DR, CARMEL, IN 46032-9753
Transaction Type	Mortgage
Record Updated	Sep 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032678
Date	Aug 25, 2023
Instrument	2023032678

Lender

Name	FORUM CU
Type	Credit Union
Address	50738

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 24, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1347 CLAY SPRING DR, CARMEL, IN 46032-9753
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000086029
Date	Nov 24, 2020
Instrument	2020086029

Lender

Name	JLB CORP
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 30, 2017
Property Address	1347 CLAY SPRING DR, CARMEL, IN 46032-9753
Document Number	0000030925
Instrument Date	Jun 21, 2017
Instrument	30925
Transaction Type	Transfer
Record Updated	Jul 31, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1347 CLAY SPRING DR CARMEL IN 460329753, CARMEL, IN 46032-9753

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 30, 2017
Property Address	1347 CLAY SPRING DR, CARMEL, IN 46032-9753
Document Number	0000030926
Instrument Date	Jun 21, 2017
Instrument	30926
Transaction Type	Transfer
Record Updated	Jul 31, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1347 CLAY SPRING DR CARMEL IN 460329753, CARMEL, IN 46032-9753

Mortgage

Document Number	30927
Date	Jun 30, 2017
Instrument	30927

Lender

Name	FORUM CU
Type	Credit Union
Address	FISHERS, IN 46038

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2047

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		$527,900 (+17.81%) Land $181,900 Building $346,000	$527,900 (+17.81%) Land $181,900 Building $346,000
2024	$4,995.00 (+3.22%)	$448,100 (-) Land $181,900 Building $266,200	$448,100 (-) Land $181,900 Building $266,200
2023	$4,839.00 (-0.58%) Homeowner's exemption	$448,100 (+4.75%) Land $181,900 Building $266,200	$448,100 (+4.75%) Land $181,900 Building $266,200
2022	$4,867.00 Homeowner's exemption	$427,800 Land $84,600 Building $343,200	$427,800 Land $84,600 Building $343,200

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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 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 80% of the US · above 73% of Indiana
Wildfire Likelihood	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
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 27 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

May also be available: Xfinity.

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