1445 Spring Mill Cir, Carmel, IN 46032 Property Records

Hamilton County property record for 1445 Spring Mill Cir, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,286 sqft · built 1988
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on File
Tax Bill	$6,815 (2024)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-23-301-042.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-23-301-042.000-018`
Alternative APN	`1709230301042000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	4,286 sqft Living Area
1st Floor Area	1,610 sqft
2nd Floor Area	1,388 sqft
Basement Area	1,610 sqft
Finished Basement	1,288 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Architectural Style	Other
Roof Material	Asphalt
Lot Area	19,602 sqft (0.45 acres)
Garage Type	Attached
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces
Pool Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709230301042000
Street Address	1445 SPRING MILL CIR
City	CARMEL
State	IN
Zip	46032-9216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .45, SECTION 23, TOWNSHIP 18, RANGE 3, SPRINGMILL CROSSING, SECTION 1, LOT 52
Legal Range	03
Legal Township	18
Legal Section	23
Legal Subdivision	SPRINGMILL CROSSING
Legal Block	1
Legal Lot Number	52
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2007
Census Tract	110906

Owner

1445 Spring Mill Cir is owned and occupied by an individual who acquired it in December 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1445 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
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Aug 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Dec 17, 2018	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2018
Deed Sale	Dec 17, 2018
Deed Document Number	2018058252
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1445 SPRING MILL CIR, CARMEL, IN 46032-9216
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CENTURION LAND TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078318
Date	Oct 29, 2020
Instrument	2020078318

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1445 SPRING MILL CIR, CARMEL, IN 46032-9216
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CENTURION LAND TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039502
Date	Aug 26, 2019
Instrument	2019039502

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Dec 17, 2018
Property Address	1445 SPRING MILL CIR, CARMEL, IN 46032-9216
Document Number	2018058252
Map Reference	MB 13 PG 4-8
Instrument Date	Dec 14, 2018
Instrument	2018058252
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	HAMILTON NATIONAL TITLE LLC

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	1445 SPRING MILL CIR, CARMEL, IN 46032-9216

Mortgage

Document Number	2018058253
Date	Dec 17, 2018
Instrument	2018058253

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

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		$634,500 (+5.94%) Land $127,500 Building $507,000	$634,500 (+5.94%) Land $127,500 Building $507,000
2024	$6,815.00 (+0.75%)	$598,900 (-0.78%) Land $127,500 Building $471,400	$598,900 (-0.78%) Land $127,500 Building $471,400
2023	$6,764.00 (+24.75%) Homeowner's exemption	$603,600 (+26.75%) Land $96,700 Building $506,900	$603,600 (+26.75%) Land $96,700 Building $506,900
2022	$5,422.00 Homeowner's exemption	$476,200 Land $96,700 Building $379,500	$476,200 Land $96,700 Building $379,500

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

Flood

FEMA maps place 1445 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 1445 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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