1590 Esprit Dr, Carmel (Westfield), IN 46074 Property Records

Hamilton County property record for 1590 Esprit Dr, Carmel, IN 46074

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,250 sqft · built 1999
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$485,000 (Jun 2023)
Tax Bill	$5,144 (2024)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-09-21-008-047.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-21-008-047.000-018`
Alternative APN	`1709210008047000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,250 sqft Living Area
1st Floor Area	1,100 sqft
2nd Floor Area	1,150 sqft
Basement Area	616 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	145 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709210008047000
Street Address	1590 ESPRIT DR
City	CARMEL
State	IN
Zip	46074-8963
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .28, SECTION 21, TOWNSHIP 18, RANGE 3, SADDLE CREEK, SECTION 6, LOT 238, IRREGULAR SHAPE
Legal Range	03
Legal Township	18
Legal Section	21
Legal Subdivision	SADDLE CREEK
Legal Block	6
Legal Lot Number	238
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2002
Census Tract	110909

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1590 ESPRIT DR, CARMEL, IN 46074-8963
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2023	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 6, 2020	Deed of Trust, Mortgage BETTER MTG CORP ISAOA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2023 · Amount on Record
Deed Sale	Jun 19, 2023 · Amount on Record
Prior Sale	May 2, 2013
Deed Document Number	2023022282
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 19, 2023
Property Address	1590 ESPRIT DR, CARMEL, IN 46074-8963
Document Number	0000022282
Map Reference	DOC 9919786
Instrument Date	Jun 15, 2023
Instrument	2023022282
Transaction Type	Transfer
Record Updated	Aug 18, 2023

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
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1590 ESPRIT DR, CARMEL, IN 46074-8963

Mortgage

Document Number	0000022283
Date	Jun 19, 2023
Instrument	2023022283

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1590 ESPRIT DR, CARMEL, IN 46074-8963
Document Number	0000053835
Instrument Date	Aug 6, 2020
Transaction Type	Mortgage
Record Updated	Sep 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1590 ESPRIT DR CARMEL IN 460748963, CARMEL, IN 46074-8963

Mortgage

Document Number	0000053835
Date	Aug 11, 2020
Instrument	53835

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 10, 2035

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		$447,000 (-2.83%) Land $127,600 Building $319,400	$447,000 (-2.83%) Land $127,600 Building $319,400
2024	$5,144.00 (+22.71%)	$460,000 (+16.57%) Land $127,600 Building $332,400	$460,000 (+16.57%) Land $127,600 Building $332,400
2023	$4,192.00 (+8.83%) Homeowner's exemption	$394,600 (+16.3%) Land $60,900 Building $333,700	$394,600 (+16.3%) Land $60,900 Building $333,700
2022	$3,852.00 (+20.11%) Homeowner's exemption	$339,300 Land $60,900 Building $278,400	$339,300 Land $60,900 Building $278,400
2021	$3,207.00

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
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

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

Wildfire Risk	Low lower than 98% of the US · lower than 85% 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 256 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 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

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