15 Circle Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 15 Circle Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,685 sqft · built 1955
Lot Size	0.519 acres (22,651 sqft)
Owner	Owner Name on Record
Tax Bill	$2,513 (2024)
Deeds & Mortgages	Dec 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-09-24-402-004.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-24-402-004.000-018`
Alternative APN	`1609240402004000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,685 sqft Living Area
1st Floor Area	1,685 sqft
Basement Area	1,365 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Architectural Style	Other
Exterior Material	Brick/Stone
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	22,651 sqft (0.519 acres)
Lot Dimensions	200 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1609240402004000
Street Address	15 CIRCLE DR
City	CARMEL
State	IN
Zip	46032-1355
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 24, TOWNSHIP 18, RANGE 3, WALTER'S ROLLING ACRES, LOT 33, IRREGULAR SHAPE
Legal Range	03
Legal Township	18
Legal Section	24
Legal Subdivision	CARMEL WALTERS ROL
Legal Lot Number	33
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1005
Census Tract	110906

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on Record
Mailing Address	15 CIRCLE DR, CARMEL, IN 46032-1355
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2005
Deed Sale	Apr 4, 2005
Prior Sale	Aug 27, 2004
Deed Document Number	0000019568
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	15 CIRCLE DR, CARMEL, IN 46032-1355
Transaction Type	Mortgage
Record Updated	Dec 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000088376
Date	Dec 9, 2021
Instrument	2021088376

Lender

Name	FINANCIAL CENTER FIRST CU
Type	Credit Union
Address	INDIANAPOLIS, IN 46226

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 8, 2036

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		$275,800 (+10.63%) Land $61,400 Building $214,400	$275,800 (+10.63%) Land $61,400 Building $214,400
2024	$2,513.00 (+58.85%)	$249,300 (+39.43%) Land $61,400 Building $187,900	$249,300 (+39.43%) Land $61,400 Building $187,900
2023	$1,582.00 (-0.44%)	$178,800 (+6.3%) Land $61,400 Building $117,400	$178,800 (+6.3%) Land $61,400 Building $117,400
2022	$1,589.00	$168,200 Land $53,900 Building $114,300	$168,200 Land $53,900 Building $114,300

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Jun 1978 · tidal / storm surge

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 63% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
On-Ramp Indiana Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Metronet, Xfinity.

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