13896 Silver Stream Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 13896 Silver Stream Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,518 sqft · built 1990
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Tax Bill	$6,626 (2024)
Deeds & Mortgages	Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-09-23-102-053.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-23-102-053.000-018`
Alternative APN	`1709230102053000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,518 sqft Living Area
1st Floor Area	1,522 sqft
2nd Floor Area	1,096 sqft
Attic	Attic
Attic Area	910 sqft
Basement Area	1,106 sqft
Finished Basement	900 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	140 ft deep x 111 ft wide
Garage Type	Attached
Garage Area	910 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1709230102053000
Street Address	13896 SILVER STREAM DR
City	CARMEL
State	IN
Zip	46032-8983
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .36, SECTION 23, TOWNSHIP 18, RANGE 3, SPRINGMILL CROSSING, SECTION 7, LOT 332
Legal Range	03
Legal Township	18
Legal Section	23
Legal Subdivision	SPRINGMILL CROSSING
Legal Block	7
Legal Lot Number	332
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3017
Census Tract	110906

Owner

Source: Hamilton County records · APN 29-09-23-102-053.000-018

Assessment roll updated July 1, 2025 · Last verified March 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 File
Mailing Address	13896 SILVER STREAM DR, CARMEL, IN 46032-8983
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 04, 2025
Deed Sale	Apr 04, 2025
Prior Sale	May 27, 2003
Deed Document Number	200300050497
Record Updated	Jun 08, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	13896 SILVER STREAM DR, CARMEL, IN 46032-8983
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036394
Date	Aug 07, 2018
Instrument	2018036394

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Amount	Amount Recorded
Term	299 Months
Due	Jul 25, 2043

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated July 1, 2025 · Last verified March 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$615,100 (+5.6%) Land $123,800 Building $491,300	$615,100 (+5.6%) Land $123,800 Building $491,300
2024	$6,626.00 (+3.43%)	$582,500 (+0.85%) Land $123,800 Building $458,700	$582,500 (+0.85%) Land $123,800 Building $458,700
2023	$6,406.00 (+23.52%) Homeowner's exemption	$577,600 (+27.03%) Land $93,800 Building $483,800	$577,600 (+27.03%) Land $93,800 Building $483,800
2022	$5,186.00 Homeowner's exemption	$454,700 Land $93,800 Building $360,900	$454,700 Land $93,800 Building $360,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hamilton County (18057C), updated October 5, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 302 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	CARMEL WATER DEPARTMENT serves 99,927 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.