1363 Clay Spring Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 1363 Clay Spring Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 5,213 sqft · built 1996
Lot Size	0.719 acres (31,363 sqft)
Owner	Individual Name on File
Last Sale	$975,000 (Oct 2025)
Tax Bill	$8,045 (2024)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-33-006-007.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-33-006-007.000-018`
Alternative APN	`1709330006007000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	19 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	5,213 sqft Living Area
1st Floor Area	1,954 sqft
2nd Floor Area	1,794 sqft
Attic	Attic
Attic Area	607 sqft
Basement Area	1,954 sqft
Finished Basement	1,465 sqft
Game Room	Game Room
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Architectural Style	Other
Roof Material	Asphalt
Lot Area	31,363 sqft (0.719 acres)
Lot Dimensions	278 ft deep x 97 ft wide
Garage Type	Attached
Garage Area	763 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1709330006007000
Street Address	1363 CLAY SPRING DR
City	CARMEL
State	IN
Zip	46032-9753
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .72, SECTION 33, TOWNSHIP 18, RANGE 3, CLAY SPRINGS, SECTION 2, LOT 20
Legal Range	03
Legal Township	18
Legal Section	33
Legal Subdivision	CLAY SPRINGS SECTION TWO
Legal Block	2
Legal Lot Number	20
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3030
Census Tract	111009

Owner

1363 Clay Spring Dr is owned and occupied by an individual who bought it in October 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1363 CLAY SPRING DR, CARMEL, IN 46032-9753
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 28, 2025	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Aug 11, 2020	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Nov 13, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage MJW FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2025 · Amount on File
Deed Sale	Oct 28, 2025 · Amount on File
Prior Sale	Aug 11, 2020 · Amount on File
Deed Document Number	2025046636
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 28, 2025
Property Address	1363 CLAY SPRING DR, CARMEL, IN 46032-9753
Document Number	0000046636
Map Reference	DOC 9549810
Instrument Date	Oct 28, 2025
Instrument	2025046636
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	REALTY TITLE INC, ROYAL TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1363 CLAY SPRING DR, CARMEL, IN 46032-9753

Mortgage

Document Number	0000046637
Date	Oct 28, 2025
Instrument	2025046637

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 11, 2020
Property Address	1363 CLAY SPRING DR, CARMEL, IN 46032-9753
Document Number	2020053638
Map Reference	DOC 9549810
Instrument Date	Aug 7, 2020
Instrument	2020053638
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	CHICAGO TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1363 CLAY SPRING DR, CARMEL, IN 46032-9753

Mortgage

Document Number	2020053639
Date	Aug 11, 2020
Instrument	2020053639

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Mortgage

Document Number	0000053640
Date	Aug 11, 2020
Instrument	2020053640

Lender

Name	HORIZON BANK
Type	Bank
Address	LAKE ORION, MI 48360

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON IN
Recording Date	Nov 13, 2017
Property Address	1363 CLAY SPRING DR, CARMEL, IN 46032-9753
Document Number	2017055996
Instrument Date	Oct 30, 2017
Instrument	2017055996
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1363 CLAY, CARMEL, IN 46032

Mortgage

Document Number	2017055997
Date	Nov 13, 2017
Instrument	2017055997

Lender

Name	MJW FINANCIAL LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 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		$859,200 (+21.92%) Land $201,800 Building $657,400	$859,200 (+21.92%) Land $201,800 Building $657,400
2024	$8,045.00 (+0.59%)	$704,700 (-) Land $201,800 Building $502,900	$704,700 (-) Land $201,800 Building $502,900
2023	$7,998.00 (+14.22%) Homeowner's exemption	$704,700 (+15.18%) Land $201,800 Building $502,900	$704,700 (+15.18%) Land $201,800 Building $502,900
2022	$7,002.00 Homeowner's exemption	$611,800 Land $93,800 Building $518,000	$611,800 Land $93,800 Building $518,000

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

Flood

FEMA maps place 1363 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 1363 Clay Spring Dr is low, with 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 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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