1362 Clay Spring Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 1362 Clay Spring Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,998 sqft · built 1997
Lot Size	0.589 acres (25,700 sqft)
Owner	2 Owner Names on File
Tax Bill	$6,302 (2024)
Deeds & Mortgages	Aug 2023 Line of Credit May 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-33-006-012.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-33-006-012.000-018`
Alternative APN	`1709330006012000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	21 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,998 sqft Living Area
1st Floor Area	1,950 sqft
2nd Floor Area	1,748 sqft
Basement Area	1,710 sqft
Finished Basement	1,300 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	25,700 sqft (0.589 acres)
Lot Dimensions	197 ft deep x 239 ft wide
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709330006012000
Street Address	1362 CLAY SPRING DR
City	CARMEL
State	IN
Zip	46032-9754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .59, SECTION 33, TOWNSHIP 18, RANGE 3, CLAY SPRINGS, SECTION 2, LOT 25
Legal Range	03
Legal Township	18
Legal Section	33
Legal Subdivision	CLAY SPRINGS SECTION TWO
Legal Block	2
Legal Lot Number	25
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3030
Census Tract	111009

Owner

The current owner of 1362 Clay Spring Dr acquired it in December 2004.

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

Owner of Record	2 Owner Names on File
Mailing Address	1362 CLAY SPRING DR, CARMEL, IN 46032-9754
Occupancy	Owner Occupied

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
Aug 10, 2023	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
May 9, 2022	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
May 20, 2019	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Jan 23, 2002
Last Transfer Date	Dec 1, 2004
Transfer Doc	0000080840
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1362 CLAY SPRING DR, CARMEL, IN 46032-9754
Transaction Type	Mortgage
Record Updated	Aug 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1362 CLAY SPRING DR, CARMEL, IN 46032-9754

Mortgage

Document Number	0000030555
Date	Aug 10, 2023
Instrument	2023030555

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 8, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1362 CLAY SPRING DR, CARMEL, IN 46032-9754
Transaction Type	Mortgage
Record Updated	Jun 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1362 CLAY SPRING DR, CARMEL, IN 46032-9754

Mortgage

Document Number	0000023232
Date	May 9, 2022
Instrument	2022023232

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 4, 2052

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1362 CLAY SPRING DR, CARMEL, IN 46032-9754
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020433
Date	May 20, 2019
Instrument	2019020433

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 15, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$662,200 (+19.47%) Land $193,500 Building $468,700	$662,200 (+19.47%) Land $193,500 Building $468,700
2024	$6,302.00 (+2.91%)	$554,300 (-) Land $193,500 Building $360,800	$554,300 (-) Land $193,500 Building $360,800
2023	$6,124.00 (+2.91%) Homeowner's exemption	$554,300 (+6.41%) Land $193,500 Building $360,800	$554,300 (+6.41%) Land $193,500 Building $360,800
2022	$5,951.00 Homeowner's exemption	$520,900 Land $89,900 Building $431,000	$520,900 Land $89,900 Building $431,000

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

Flood

FEMA maps place 1362 Clay Spring Dr 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1362 Clay Spring 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 224 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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