1386 Clay Spring Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 1386 Clay Spring Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 6,050 sqft · built 1997
Lot Size	0.719 acres (31,363 sqft)
Owner	Individual Name on File
Last Sale	$855,000 (Apr 2023)
Tax Bill	$7,621 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-33-006-010.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-33-006-010.000-018`
Alternative APN	`1709330006010000`

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	6,050 sqft Living Area
1st Floor Area	1,856 sqft
2nd Floor Area	2,694 sqft
Basement Area	1,856 sqft
Finished Basement	1,500 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Other
Roof Material	Asphalt
Lot Area	31,363 sqft (0.719 acres)
Lot Dimensions	179 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	976 sqft
Parking Spaces	3 Parking Spaces
Pool Area	648 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709330006010000
Street Address	1386 CLAY SPRING DR
City	CARMEL
State	IN
Zip	46032-9754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .72, SECTION 33, TOWNSHIP 18, RANGE 3, CLAY SPRINGS, SECTION 2, LOT 23
Legal Range	03
Legal Township	18
Legal Section	33
Legal Subdivision	CLAY SPRINGS SECTION TWO
Legal Block	2
Legal Lot Number	23
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3030
Census Tract	111009

Owner

1386 Clay Spring Dr is owned and occupied by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1386 CLAY SPRING DR, CARMEL, IN 46032-9754
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 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Apr 11, 2023	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Aug 23, 2022	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2023 · Amount on File
Deed Sale	Apr 11, 2023 · Amount on File
Prior Sale	Aug 23, 2022 · Amount on File
Deed Document Number	2023012465
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1386 CLAY SPRING DR, CARMEL, IN 46032-9754
Transaction Type	Mortgage
Record Updated	Nov 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 CLAY SPRING DR, CARMEL, IN 46032-9754
Investor	Possibly a Property Investor

Mortgage

Document Number	0000045519
Date	Oct 23, 2025
Instrument	2025045519

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22031

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2045

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Apr 11, 2023
Property Address	1386 CLAY SPRING DR, CARMEL, IN 46032-9754
Document Number	0000012465
Map Reference	DOC 9549810
Instrument Date	Apr 10, 2023
Instrument	2023012465
Transaction Type	Transfer
Record Updated	May 26, 2023
Title Company	MTC

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	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 CLAY SPRING DR, CARMEL, IN 46032-9754
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012466
Date	Apr 11, 2023
Instrument	2023012466

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2043

August 2022: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 23, 2022
Property Address	1386 CLAY SPRING DR, CARMEL, IN 46032-9754
Document Number	0000041884
Map Reference	DOC 9549810
Instrument Date	Aug 4, 2022
Instrument	2022041884
Transaction Type	Foreclosure
Record Updated	May 26, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5347 RIPPLINGBROOK WAY, CARMEL, IN 46033-9190

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		$804,500 (+20.33%) Land $201,800 Building $602,700	$804,500 (+20.33%) Land $201,800 Building $602,700
2024	$7,621.00 (-1.31%)	$668,600 (-0.36%) Land $201,800 Building $466,800	$668,600 (-0.36%) Land $201,800 Building $466,800
2023	$7,722.00 (+3.68%)	$671,000 (+4.89%) Land $201,800 Building $469,200	$671,000 (+4.89%) Land $201,800 Building $469,200
2022	$7,448.00 Homeowner's exemption	$639,700 Land $93,800 Building $545,900	$639,700 Land $93,800 Building $545,900

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

Flood

FEMA maps place 1386 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 1386 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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