1379 Clay Spring Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 1379 Clay Spring Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,554 sqft · built 1998
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,886 (2024)
Deeds & Mortgages	Jun 2022 Line of Credit Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-33-006-009.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-33-006-009.000-018`
Alternative APN	`1709330006009000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,554 sqft Living Area
1st Floor Area	1,830 sqft
2nd Floor Area	1,854 sqft
Attic	Attic
Attic Area	264 sqft
Basement Area	1,160 sqft
Finished Basement	870 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2003
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	179 ft deep x 92 ft wide
Garage Type	Attached
Garage Area	726 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709330006009000
Street Address	1379 CLAY SPRING DR
City	CARMEL
State	IN
Zip	46032-9753
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .55, SECTION 33, TOWNSHIP 18, RANGE 3, CLAY SPRINGS, SECTION 2, LOT 22
Legal Range	03
Legal Township	18
Legal Section	33
Legal Subdivision	CLAY SPGS
Legal Block	2
Legal Lot Number	22
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1379 CLAY SPRING DR, CARMEL, IN 46032-9753
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Deed of Trust, Mortgage · Line of Credit LAKE CITY BANK
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE CITY BANK
Oct 13, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 11, 2019	Deed of Trust, Mortgage LAKE CITY BANK
Nov 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage LAKE CITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 1998
Deed Sale	Mar 3, 1998
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1379 CLAY SPRING DR, CARMEL, IN 46032-9753
Transaction Type	Mortgage
Record Updated	Jun 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1379 CLAY SPRING DR, CARMEL, IN 46032-9753

Mortgage

Document Number	0000029827
Date	Jun 15, 2022
Instrument	2022029827

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46581

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1379 CLAY SPRING DR, CARMEL, IN 46032-9753
Transaction Type	Mortgage
Record Updated	Apr 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021018463
Date	Mar 9, 2021
Instrument	2021018463

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46580

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1379 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	0000051065
Date	Oct 13, 2017
Instrument	2017051065

Lender

Name	PNC BANK NA
Type	Bank
Address	BRECKSVILLE, OH 44141

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 4, 2057

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1379 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	0000030236
Date	Jul 11, 2019
Instrument	2019030236

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46581

Agreement

Amount	Amount Recorded
Term	64 Months
Due	Nov 9, 2024

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1379 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	0000058649
Date	Nov 20, 2019
Instrument	2019058649

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46580

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2034

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		$621,400 (+19.62%) Land $189,500 Building $431,900	$621,400 (+19.62%) Land $189,500 Building $431,900
2024	$5,886.00 (+6.82%)	$519,500 (+3.16%) Land $189,500 Building $330,000	$519,500 (+3.16%) Land $189,500 Building $330,000
2023	$5,510.00 (-1.68%) Homeowner's exemption	$503,600 (+2.46%) Land $189,500 Building $314,100	$503,600 (+2.46%) Land $189,500 Building $314,100
2022	$5,604.00 Homeowner's exemption	$491,500 Land $88,100 Building $403,400	$491,500 Land $88,100 Building $403,400

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 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.

Nearby Properties on Clay Spring Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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