13995 Sandcherry Ct, Carmel, IN 46033 Property Records

Hamilton County property record for 13995 Sandcherry Ct, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,696 sqft · built 2002
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Tax Bill	$5,434 (2024)
Deeds & Mortgages	Aug 2019 Mortgage Jan 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-22-016-005.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-22-016-005.000-018`
Alternative APN	`1610220016005000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,696 sqft Living Area
1st Floor Area	2,533 sqft
Basement Area	1,263 sqft
Finished Basement	1,163 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	160 ft deep x 95 ft wide
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1610220016005000
Street Address	13995 SANDCHERRY CT
City	CARMEL
State	IN
Zip	46033-9115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .36, SECTION 22, TOWNSHIP 18, RANGE 4, SETTLERS RIDGE AT HAVERSTICK, SECTION 2A, LOT 32, IRREGULAR SHAPE
Legal Range	04
Legal Township	18
Legal Section	22
Legal Subdivision	SETTLERS RIDGE AT HAVERSTICK
Legal Block	2A
Legal Lot Number	32
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2018
Census Tract	110911

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	13995 SANDCHERRY CT, CARMEL, IN 46033-9115
Occupancy	Owner Occupied
Owner Type	Individual, Secondary Company

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Jan 2, 2019	Deed of Trust, Mortgage · Line of Credit UNION SVGS
Sep 4, 2018	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2018
Deed Sale	Sep 4, 2018
Prior Sale	Jun 4, 2003
Deed Document Number	2018041232
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	13995 SANDCHERRY CT, CARMEL, IN 46033-9115
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037054
Date	Aug 13, 2019
Instrument	2019037054

Lender

Name	UNION SAVINGS BANK
Type	Credit Union
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2034

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	13995 SANDCHERRY CT, CARMEL, IN 46033-9115
Document Number	0000002127
Instrument Date	Jan 2, 2019
Transaction Type	Mortgage
Record Updated	Feb 1, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	13995 SANDCHERRY CT CARMEL IN 460339115, CARMEL, IN 46033-9115

Mortgage

Document Number	0000002127
Date	Jan 18, 2019
Instrument	2127

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	8534 E KEMPER RD, CINCINNATI, OH 45249-3701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 17, 2029

Interest

Rate Type	Adjustable Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Sep 4, 2018
Property Address	13995 SANDCHERRY CT, CARMEL, IN 46033-9115
Document Number	2018041232
Instrument Date	Aug 31, 2018
Instrument	2018041232
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	MERIDIAN TITLE CORP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13995 SANDCHERRY CT, CARMEL, IN 46033-9115

Mortgage

Document Number	2018041233
Date	Sep 4, 2018
Instrument	2018041233

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2033

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		$504,000 (-2.48%) Land $144,000 Building $360,000	$504,000 (-2.48%) Land $144,000 Building $360,000
2024	$5,434.00 (+0.15%)	$516,800 (+4.07%) Land $144,000 Building $372,800	$516,800 (+4.07%) Land $144,000 Building $372,800
2023	$5,426.00 (+14.14%) Homeowner's exemption	$496,600 (+18.97%) Land $144,000 Building $352,600	$496,600 (+18.97%) Land $144,000 Building $352,600
2022	$4,754.00 Homeowner's exemption	$417,400 Land $87,300 Building $330,100	$417,400 Land $87,300 Building $330,100

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 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	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.

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 374 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

May also be available: AT&T.

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