1448 Spring Mill Cir, Carmel, IN 46032 Property Records

Hamilton County property record for 1448 Spring Mill Cir, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,877 sqft · built 1988
Lot Size	0.369 acres (16,117 sqft)
Owner	Individual Name on File
Tax Bill	$6,903 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-23-301-043.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-23-301-043.000-018`
Alternative APN	`1709230301043000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,877 sqft Living Area
1st Floor Area	1,802 sqft
2nd Floor Area	1,196 sqft
Basement Area	1,172 sqft
Finished Basement	879 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	16,117 sqft (0.369 acres)
Lot Dimensions	173 ft deep x 53 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1709230301043000
Street Address	1448 SPRING MILL CIR
City	CARMEL
State	IN
Zip	46032-9216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .37, SECTION 23, TOWNSHIP 18, RANGE 3, SPRINGMILL CROSSING, SECTION 1, LOT 51
Legal Range	03
Legal Township	18
Legal Section	23
Legal Subdivision	SPRINGMILL CROSSING
Legal Block	1
Legal Lot Number	51
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2007
Census Tract	110906

Owner

1448 Spring Mill Cir is owned and occupied by an individual who acquired it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	1448 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
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Apr 28, 2020	Deed of Trust, Mortgage GUARANTEED RATE
Aug 13, 2018	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2018
Deed Sale	Aug 13, 2018
Prior Sale	Dec 3, 2003
Deed Document Number	2018037267
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1448 SPRING MILL CIR, CARMEL, IN 46032-9216
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021061003
Date	Aug 20, 2021
Instrument	2021061003

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1448 SPRING MILL CIR, CARMEL, IN 46032-9216
Document Number	0000026564
Instrument Date	Apr 28, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1448 SPRING MILL CIR CARMEL IN 460329216, CARMEL, IN 46032-9216

Mortgage

Document Number	0000026564
Date	May 7, 2020
Instrument	26564

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 6, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 13, 2018
Property Address	1448 SPRING MILL CIR, CARMEL, IN 46032-9216
Document Number	2018037267
Map Reference	MB13 PG4-8
Instrument Date	Aug 10, 2018
Instrument	2018037267
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	CHICAGO TITLE CO 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	1448 SPRING MILL CIR, CARMEL, IN 46032-9216

Mortgage

Document Number	2018037268
Date	Aug 13, 2018
Instrument	2018037268

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

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		$639,900 (+5.49%) Land $124,500 Building $515,400	$639,900 (+5.49%) Land $124,500 Building $515,400
2024	$6,903.00 (+2.28%)	$606,600 (+0.1%) Land $124,500 Building $482,100	$606,600 (+0.1%) Land $124,500 Building $482,100
2023	$6,749.00 (+24.41%) Homeowner's exemption	$606,000 (+27.31%) Land $94,300 Building $511,700	$606,000 (+27.31%) Land $94,300 Building $511,700
2022	$5,425.00 Homeowner's exemption	$476,000 Land $94,300 Building $381,700	$476,000 Land $94,300 Building $381,700

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

Flood

FEMA maps place 1448 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 1448 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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