15436 Spring Winds Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 15436 Spring Winds Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,779 sqft · built 2022
Lot Size	0.539 acres (23,522 sqft)
Owner	Individual Name on Record
Last Sale	$1,275,000 (Nov 2023)
Tax Bill	$13,458 (2024)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2022 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-18-007-046.000-015`

Property Details

APN / Parcel Number

Primary APN	`29-10-18-007-046.000-015`
Alternative APN	`0810180007046000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	21 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	4,779 sqft Living Area
Basement Area	2,998 sqft
Finished Basement	1,861 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Roof Material	Asphalt
Lot Area	23,522 sqft (0.539 acres)
Garage Type	Attached
Garage Area	869 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	0810180007046000
Street Address	15436 SPRING WINDS DR
City	CARMEL
State	IN
Zip	46033-4207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .54, SECTION 18, TOWNSHIP 18, RANGE 4, GRASSY BRANCH AT BRIDGEWATER, LOT 48, IRREGULAR SHAPE
Legal Lot Number	48
Jurisdiction	HAMILTON IN
Township / Civil Division	WESTFIELD WASHINGTON
Census Block Group	1
Census Block	1015
Census Tract	110405

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	15436 SPRING WINDS DR, CARMEL, IN 46033-4207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Aug 2, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST MERCHANTS BANK
Nov 30, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LAKE MICHIGAN CU
Oct 15, 2021	Limited Warranty Deed, Transfer · Stand-Alone First Mortgage THE PEOPLES STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2023 · Amount on Record
Deed Sale	Nov 30, 2023 · Amount on Record
Prior Sale	Oct 15, 2021 · Amount on Record
Deed Document Number	2023045048
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	15436 SPRING WINDS DR, CARMEL, IN 46033-4207
Transaction Type	Mortgage
Record Updated	Jan 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15436 SPRING WINDS DR, CARMEL, IN 46033-4207

Mortgage

Document Number	0000055665
Date	Dec 23, 2025
Instrument	2025055665

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	1-Year CMT
Max Rate	10.8%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	15436 SPRING WINDS DR, CARMEL, IN 46033-4207
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038122
Date	Aug 2, 2022
Instrument	2022038122

Lender

Name	FIRST MERCHANTS BANK
Type	Bank
Address	NOBLESVILLE, IN 46060

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Jul 25, 2023

November 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Nov 30, 2023
Property Address	15436 SPRING WINDS DR, CARMEL, IN 46033-4207
Document Number	0000045048
Map Reference	DOC 2018056940
Instrument Date	Nov 29, 2023
Instrument	2023045048
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 19, 2024
Title Company	ENTERPRISE TITLE

Transaction

Amount	Amount Recorded
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
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15436 SPRING WINDS DR, CARMEL, IN 46033-4207

Mortgage

Document Number	0000045049
Date	Nov 30, 2023
Instrument	2023045049

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	13.1%
Index	1-Year CMT
Max Rate	13.1%

October 2021: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 15, 2021
Property Address	15436 SPRING WINDS DR, CARMEL, IN 46033-4207
Document Number	0000075189
Instrument Date	Oct 15, 2021
Instrument	2021075189
Transaction Type	Transfer
Record Updated	Jan 19, 2024
Title Company	INDIANA HOME TITLE LLC, INDIANA HOME TITLE

Transaction

Amount	Amount Recorded
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	4838 E 64TH ST, INDIANAPOLIS, IN 46220-4728

Mortgage

Document Number	0000075190
Date	Oct 15, 2021
Instrument	2021075190

Lender

Name	THE PEOPLES STATE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Oct 15, 2023

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Hamilton County
County Subdivision	Westfield Washington Township
Municipality	Westfield City
Unified School District	Westfield-Washington Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,175,800 (+99.05%) Land $166,100 Building $1,009,700	$1,175,800 (+99.05%) Land $166,100 Building $1,009,700
2024	$13,458.00 (+99.53%)
2023	$6,745.00 (+51,784.62%)	$590,700 (+98,35%) Land $166,100 Building $424,600	$590,700 (+98,35%) Land $166,100 Building $424,600
2022	$13.00	$600 Land $600	$600 Land $600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Apr 2013 · rainfall accumulation

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 96% of the US · lower than 73% 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	CITIZENS WATER OF WESTFIELD, LLC private · serves 61,493 people · EPA ID IN5229009
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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