13490 Dunes Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 13490 Dunes Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,120 sqft · built 1998
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Oct 2021)
Tax Bill	$4,312 (2024)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-26-007-037.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-26-007-037.000-018`
Alternative APN	`1609260007037000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,120 sqft Living Area
1st Floor Area	1,113 sqft
2nd Floor Area	1,007 sqft
Basement Area	532 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	114 ft deep x 69 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1609260007037000
Street Address	13490 DUNES DR
City	CARMEL
State	IN
Zip	46032-9593
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .21, SECTION 26, TOWNSHIP 18, RANGE 3, PARK MEADOWS PARKS AT SPRINGMILL, SECTION 5, LOT 146
Legal Range	03
Legal Township	18
Legal Section	26
Legal Subdivision	PARKS AT SPRINGS
Legal Block	5
Legal Lot Number	146
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2010
Census Tract	110906

Owner

13490 Dunes Dr is owned and occupied by an individual who bought it in October 2021.

Source: Hamilton County records, as of March 5, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	13490 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
Oct 18, 2021	Warranty Deed, Transfer · Conventional Mortgage LAKE CITY BANK
Jun 12, 2020	Deed of Trust, Mortgage · FHA Mortgage FIRST OPTION MORTGAGE LLC
May 9, 2019	Warranty Deed, Transfer · FHA Mortgage GVC MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2021 · Amount on File
Deed Sale	Oct 18, 2021 · Amount on File
Prior Sale	May 9, 2019
Deed Document Number	2021075411
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 18, 2021
Property Address	13490 DUNES DR, CARMEL, IN 46032-9593
Document Number	0000075411
Instrument Date	Oct 8, 2021
Instrument	2021075411
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	ATA NATIONAL TITLE GROUP/IN LLC, ATA NATL TTL GROUP OF IN LLC

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	13490 DUNES DR, CARMEL, IN 46032-9593

Mortgage

Document Number	0000075412
Date	Oct 18, 2021
Instrument	2021075412

Lender

Name	LAKE CITY BANK
Type	Bank

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	13490 DUNES DR, CARMEL, IN 46032-9593
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036172
Date	Jun 12, 2020
Instrument	2020036172

Lender

Name	FIRST OPTION MORTGAGE LLC
Type	Mortgage Company
Address	ATLANTA, GA 30339

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	May 9, 2019
Property Address	13490 DUNES DR, CARMEL, IN 46032-9593
Document Number	2019018788
Map Reference	DOC 9653900
Instrument Date	May 7, 2019
Instrument	2019018788
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	MTC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13490 DUNES DR, CARMEL, IN 46032-9593

Mortgage

Document Number	2019018789
Date	May 9, 2019
Instrument	2019018789

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

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		$438,200 (+11.39%) Land $88,400 Building $349,800	$438,200 (+11.39%) Land $88,400 Building $349,800
2024	$4,312.00 (+5.07%)	$393,400 (+1.58%) Land $88,400 Building $305,000	$393,400 (+1.58%) Land $88,400 Building $305,000
2023	$4,104.00 (+21.64%)	$387,300 (+28.54%) Land $71,400 Building $315,900	$387,300 (+28.54%) Land $71,400 Building $315,900
2022	$3,374.00	$301,300 Land $71,400 Building $229,900	$301,300 Land $71,400 Building $229,900

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

Flood

FEMA maps place 13490 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 13490 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.

Nearby Properties on Dunes Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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