1421 Spring Mill Cir, Carmel, IN 46032 Property Records

Hamilton County property record for 1421 Spring Mill Cir, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,351 sqft · built 1987
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,065 (2024)
Deeds & Mortgages	Sep 2023 Line of Credit Oct 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-09-23-301-039.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-23-301-039.000-018`
Alternative APN	`1709230301039000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,351 sqft Living Area
1st Floor Area	1,321 sqft
2nd Floor Area	1,107 sqft
Attic	Attic
Attic Area	423 sqft
Basement Area	955 sqft
Finished Basement	500 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	199 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1709230301039000
Street Address	1421 SPRING MILL CIR
City	CARMEL
State	IN
Zip	46032-9216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .48, SECTION 23, TOWNSHIP 18, RANGE 3, SPRINGMILL CROSSING, SECTION 1, LOT 55
Legal Range	03
Legal Township	18
Legal Section	23
Legal Subdivision	SPRINGMILL CROSSING
Legal Block	1
Legal Lot Number	55
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2007
Census Tract	110906

Owner

1421 Spring Mill Cir is owned and occupied by two individuals who acquired it in May 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	1421 SPRING MILL CIR, CARMEL, IN 46032-9216
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
Sep 13, 2023	Deed of Trust, Mortgage · Line of Credit ELEMENTS FINANCIAL FCU
Oct 7, 2020	Deed of Trust, Mortgage · Line of Credit ELEMENTS FINANCIAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2012
Deed Sale	May 24, 2012
Deed Document Number	200100026001
Prior Transfer Date	May 8, 2001
Prior Transfer Doc	200100026001
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1421 SPRING MILL CIR, CARMEL, IN 46032-9216
Transaction Type	Mortgage
Record Updated	Oct 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035208
Date	Sep 13, 2023
Instrument	2023035208

Lender

Name	ELEMENTS FINANCIAL FCU
Type	Credit Union
Address	INDIANAPOLIS, IN 46202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1421 SPRING MILL CIR, CARMEL, IN 46032-9216
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000071172
Date	Oct 7, 2020
Instrument	2020071172

Lender

Name	ELEMENTS FINANCIAL FCU
Type	Credit Union
Address	INDIANAPOLIS, IN 46202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Sep 15, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$558,100 (+4.55%) Land $129,600 Building $428,500	$558,100 (+4.55%) Land $129,600 Building $428,500
2024	$6,065.00 (+7.08%)	$533,800 (+3.39%) Land $129,600 Building $404,200	$533,800 (+3.39%) Land $129,600 Building $404,200
2023	$5,664.00 (+18.82%) Homeowner's exemption	$516,300 (+23.37%) Land $98,200 Building $418,100	$516,300 (+23.37%) Land $98,200 Building $418,100
2022	$4,767.00 Homeowner's exemption	$418,500 Land $98,200 Building $320,300	$418,500 Land $98,200 Building $320,300

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

Flood

FEMA maps place 1421 Spring Mill Cir 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

The area around 1421 Spring Mill Cir has no burnable land within ember reach, so its wildfire risk is not rated.

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 344 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 / 50
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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