Hamilton County property record for 13825 Mill Stream Ct, Carmel, IN 46032
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,989 sqft · built 1988 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $357,770 (Jul 2021) |
| Tax Bill | $5,659 (2024) |
| Deeds & Mortgages | Jul 2026 Line of Credit Sep 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-09-23-304-048.000-018 |
| Primary APN | 29-09-23-304-048.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,989 sqft Living Area |
| Gross Area | 4,597 sqft |
| 1st Floor Area | 3,389 sqft |
| 2nd Floor Area | 1,265 sqft |
| Basement Area | 800 sqft |
| Finished Basement | 400 sqft |
| Unfinished Basement | 400 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 173 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 1,208 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 13825 MILL STREAM CT |
|---|---|
| City | CARMEL |
| State | IN |
| Zip | 46032-9141 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .40, SECTION 23, TOWNSHIP 18, RANGE 3, SPRINGMILL CROSSING, SECTION 5, LOT 196 |
| Legal Range | 03 |
| Legal Township | 18 |
| Legal Section | 23 |
| Legal Subdivision | SPRINGMILL CROSSING SECTION 5 |
| Legal Block | 5 |
| Legal Lot Number | 196 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 110906 |
Source: Hamilton County records, as of July 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 13825 MILL STREAM CT, CARMEL, IN 46032-9141 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2026 | Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK |
| Sep 6, 2022 | Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK |
| Jul 26, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage UNION SAVINGS BANK |
| Nov 30, 2018 | Deed of Trust, Mortgage · ARM UNION SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 26, 2021 · Amount on Record |
| Deed Sale | Jul 26, 2021 · Amount on Record |
| Prior Sale | Jan 28, 2014 · Amount on Record |
| Deed Document Number | 202154018 |
| Prior Transfer Date | Jul 23, 2021 |
| Prior Transfer Doc | 0000054018 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Jul 13, 2026 |
| Property Address | 13825 MILL STREAM CT, CARMEL, IN 46032-9141 |
| Document Number | 0000031183 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 202631183 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 13825 MILL STREAM CT, CARMEL, IN 46032-9141 |
| Document Number | 0000031183, |
|---|---|
| Date | Jul 13, 2026 |
| Instrument | 202631183 |
| Name | UNION SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 30, 2036 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 13825 MILL STREAM CT, CARMEL, IN 46032-9141 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 13825 MILL STREAM CT, CARMEL, IN 46032-9141 |
| Document Number | 0000043899 |
|---|---|
| Date | Sep 6, 2022 |
| Instrument | 2022043899 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Aug 12, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Jul 26, 2021 |
| Property Address | 13825 MILL STREAM CT, CARMEL, IN 46032-9141 |
| Document Number | 0000054018 |
| Map Reference | MB 15 PG 24-27 |
| Instrument Date | Jul 14, 2021 |
| Instrument | 2021054018 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13825 MILL STREAM CT, CARMEL, IN 46032-9141 |
| Document Number | 0000054019 |
|---|---|
| Date | Jul 26, 2021 |
| Instrument | 2021054019 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 13825 MILL STREAM CT, CARMEL, IN 46032-9141 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000055842 |
|---|---|
| Date | Nov 30, 2018 |
| Instrument | 2018055842 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45249 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Dec 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 8% |
| Index | 1-Year CMT |
| Max Rate | 12% |
Source: Hamilton County assessment roll, as of March 16, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Clay Township |
| Municipality | Carmel City |
| Unified School District | Carmel Clay Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $526,700 (+5.07%) Land $125,800 Building $400,900 | $526,700 (+5.07%) Land $125,800 Building $400,900 | |
| 2024 | $5,659.00 (+5.05%) | $501,300 (+1.6%) Land $125,800 Building $375,500 | $501,300 (+1.6%) Land $125,800 Building $375,500 |
| 2023 | $5,387.00 (+20.87%) Homeowner's exemption | $493,400 (+25.77%) Land $95,400 Building $398,000 | $493,400 (+25.77%) Land $95,400 Building $398,000 |
| 2022 | $4,457.00 Homeowner's exemption | $392,300 Land $95,400 Building $296,900 | $392,300 Land $95,400 Building $296,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 5, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 302 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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