Hamilton County property record for 1470 Esprit Dr, Carmel, IN 46074 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,461 sqft · built 1999 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $399,575 (Feb 2021) |
| Tax Bill | $5,654 (2024) |
| Deeds & Mortgages | Jun 2026 Mortgage Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-09-21-008-037.000-018 |
| Primary APN | 29-09-21-008-037.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 3,461 sqft Living Area |
| Gross Area | 4,127 sqft |
| 1st Floor Area | 3,623 sqft |
| 2nd Floor Area | 1,553 sqft |
| Basement Area | 712 sqft |
| Finished Basement | 550 sqft |
| Unfinished Basement | 162 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 167 ft deep x 80.4 ft wide |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1470 ESPRIT DR |
|---|---|
| City | CARMEL |
| State | IN |
| Zip | 46074-8946 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .30, SECTION 21, TOWNSHIP 18, RANGE 3, SADDLE CREEK, SECTION 6, LOT 228, IRREGULAR SHAPE |
| Legal Range | 03 |
| Legal Township | 18 |
| Legal Section | 21 |
| Legal Subdivision | SADDLE CREEK SECTION 6 |
| Legal Lot Number | 228 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 110909 |
Source: Hamilton County records · APN 29-09-21-008-037.000-018
Assessment roll updated March 16, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1470 ESPRIT DR, CARMEL, IN 46074-8946 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 26, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BANK NATIONAL ASSOCIATION |
| Feb 17, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 17, 2021 · Amount on Record |
| Deed Sale | Feb 17, 2021 · Amount on Record |
| Prior Sale | Jul 14, 2014 · Amount on Record |
| Deed Document Number | 202112384 |
| Prior Transfer Date | Feb 09, 2021 |
| Prior Transfer Doc | 0000012384 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Jun 26, 2026 |
| Property Address | 1470 ESPRIT DR, CARMEL, IN 46074-8946 |
| Document Number | 0000028791 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 202628791 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 1470 ESPRIT DR, CARMEL, IN 46074-8946 |
| Document Number | 0000028791, |
|---|---|
| Date | Jun 26, 2026 |
| Instrument | 202628791 |
| Name | BANK NATIONAL ASSOCIATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 01, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Feb 17, 2021 |
| Property Address | 1470 ESPRIT DR, CARMEL, IN 46074-8946 |
| Document Number | 0000012384 |
| Map Reference | DOC 9919786 |
| Instrument Date | Feb 09, 2021 |
| Instrument | 2021012384 |
| Transaction Type | Transfer |
| Record Updated | Jun 09, 2023 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1470 ESPRIT DR, CARMEL, IN 46074-8946 |
| Document Number | 0000012385 |
|---|---|
| Date | Feb 17, 2021 |
| Instrument | 2021012385 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 01, 2036 |
Source: Hamilton County records · Assessment roll updated March 16, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Clay Township |
| Municipality | Carmel City |
| Unified School District | Carmel Clay Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $488,000 (-2.58%) Land $127,700 Building $360,300 | $488,000 (-2.58%) Land $127,700 Building $360,300 | |
| 2024 | $5,654.00 (+16.87%) | $500,900 (+11.81%) Land $127,700 Building $373,200 | $500,900 (+11.81%) Land $127,700 Building $373,200 |
| 2023 | $4,838.00 (+10.68%) Homeowner's exemption | $448,000 (+16.61%) Land $62,600 Building $385,400 | $448,000 (+16.61%) Land $62,600 Building $385,400 |
| 2022 | $4,371.00 Homeowner's exemption | $384,200 Land $62,600 Building $321,600 | $384,200 Land $62,600 Building $321,600 |
Source: FEMA National Flood Hazard Layer, Hamilton County (18057C), updated October 5, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 180571109092, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low above 5% of the US · above 36% of Indiana |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 291 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Metronet Holdings | Fiber | 5,120 / 5,120 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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