Hamilton County property record for 14133 Esprit Dr, Carmel, IN 46074
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,887 sqft · built 1997 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Individual Name on File |
| Last Sale | $319,900 (Aug 2017) |
| Tax Bill | $5,563 (2024) |
| Deeds & Mortgages | Jun 2021 Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-09-21-005-028.000-018 |
| Primary APN | 29-09-21-005-028.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,887 sqft Living Area |
| 1st Floor Area | 1,400 sqft |
| 2nd Floor Area | 1,487 sqft |
| Basement Area | 1,358 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Architectural Style | Other |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Lot Dimensions | 127 ft deep x 116 ft wide |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1709210005028000 |
|---|---|
| Street Address | 14133 ESPRIT DR |
| City | CARMEL |
| State | IN |
| Zip | 46074-8983 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .35, SECTION 21, TOWNSHIP 18, RANGE 3, SADDLE CREEK, SECTION 5, LOT 155, IRREGULAR SHAPE |
| Legal Range | 03 |
| Legal Township | 18 |
| Legal Section | 21 |
| Legal Subdivision | SADDLE CREEK |
| Legal Block | 5 |
| Legal Lot Number | 155 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 110909 |
14133 Esprit Dr is owned and occupied by an individual who bought it in August 2017.
Source: Hamilton County records, as of March 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 14133 ESPRIT DR, CARMEL, IN 46074-8983 |
| 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.
| Date | Document |
|---|---|
| Jun 16, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jan 23, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 7, 2017 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2017 · Amount on File |
| Deed Sale | Aug 7, 2017 · Amount on File |
| Prior Sale | Feb 10, 2011 · Amount on File |
| Deed Document Number | 2017038046 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 14133 ESPRIT DR, CARMEL, IN 46074-8983 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2023 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000044392 |
|---|---|
| Date | Jun 16, 2021 |
| Instrument | 2021044392 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 318 Months |
| Due | Dec 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 14133 ESPRIT DR, CARMEL, IN 46074-8983 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004041 |
|---|---|
| Date | Jan 23, 2020 |
| Instrument | 2020004041 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 335 Months |
| Due | Dec 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Aug 7, 2017 |
| Property Address | 14133 ESPRIT DR, CARMEL, IN 46074-8983 |
| Document Number | 2017038046 |
| Map Reference | DOC9804882 |
| Instrument Date | Jul 28, 2017 |
| Instrument | 2017038046 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 14133 ESPRIT DR, CARMEL, IN 46074-8983 |
| Document Number | 2017038047 |
|---|---|
| Date | Aug 7, 2017 |
| Instrument | 2017038047 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2047 |
Source: Hamilton County assessment roll, as of July 1, 2025
| 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 | $495,300 (+0.34%) Land $130,400 Building $364,900 | $495,300 (+0.34%) Land $130,400 Building $364,900 | |
| 2024 | $5,563.00 (+15.99%) | $493,600 (+11.05%) Land $130,400 Building $363,200 | $493,600 (+11.05%) Land $130,400 Building $363,200 |
| 2023 | $4,796.00 (+6.96%) Homeowner's exemption | $444,500 (+12.82%) Land $66,300 Building $378,200 | $444,500 (+12.82%) Land $66,300 Building $378,200 |
| 2022 | $4,484.00 Homeowner's exemption | $394,000 Land $66,300 Building $327,700 | $394,000 Land $66,300 Building $327,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14133 Esprit 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 |
| 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 risk around 14133 Esprit 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 99.1% of the US · lower than 94% 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.
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 291 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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