1513 Spruce Ct, Carmel, IN 46033 Property Records

Hamilton County property record for 1513 Spruce Ct, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,390 sqft · built 1980
Lot Size	0.389 acres (16,988 sqft)
Owner	Individual Name on File
Last Sale	$362,100 (Jun 2021)
Tax Bill	$4,654 (2024)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-10-20-309-025.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-20-309-025.000-018`
Alternative APN	`1610200309025000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,390 sqft Living Area
1st Floor Area	1,160 sqft
2nd Floor Area	990 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Architectural Style	Other
Exterior Material	Stone
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	16,988 sqft (0.389 acres)
Lot Dimensions	171 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1610200309025000
Street Address	1513 SPRUCE CT
City	CARMEL
State	IN
Zip	46033-9410
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .39, SECTION 20, TOWNSHIP 18, RANGE 4, COOL CREEK NORTH, SECTION 16, LOT 249
Legal Range	04
Legal Township	18
Legal Section	20
Legal Subdivision	CARMEL COOL CREEK
Legal Block	16
Legal Lot Number	249
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2001
Census Tract	110904

Owner

1513 Spruce Ct is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	1513 SPRUCE CT, CARMEL, IN 46033-9410
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2021 · Amount on File
Deed Sale	Jun 18, 2021 · Amount on File
Prior Sale	Jun 7, 2016
Deed Document Number	2021045224
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 18, 2021
Property Address	1513 SPRUCE CT, CARMEL, IN 46033-9410
Document Number	0000045224
Map Reference	MB 7 PG 79
Instrument Date	Jun 17, 2021
Instrument	2021045224
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	SECURITY TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1513 SPRUCE CT, CARMEL, IN 46033-9410

Mortgage

Document Number	0000045225
Date	Jun 18, 2021
Instrument	2021045225

Lender

Name	FIRST MERCHANTS BANK
Type	Bank

Agreement

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

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		$402,400 (-4.37%) Land $126,400 Building $276,000	$402,400 (-4.37%) Land $126,400 Building $276,000
2024	$4,654.00 (+6.21%)	$420,800 (+2.56%) Land $126,400 Building $294,400	$420,800 (+2.56%) Land $126,400 Building $294,400
2023	$4,382.00 (+19.82%) Homeowner's exemption	$410,300 (+26.99%) Land $117,500 Building $292,800	$410,300 (+26.99%) Land $117,500 Building $292,800
2022	$3,657.00	$323,100 Land $117,500 Building $205,600	$323,100 Land $117,500 Building $205,600

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

Flood

FEMA maps place 1513 Spruce Ct 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	1 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

Wildfire risk around 1513 Spruce Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 78% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 351 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20