1609 E 109th St, Carmel (Indianapolis), IN 46280 Property Records

Hamilton County property record for 1609 E 109th St, Carmel, IN 46280

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,422 sqft · built 1954
Lot Size	0.93 acres (40,511 sqft)
Owner	Individual Name on File
Last Sale	$266,000 (Nov 2022)
Tax Bill	$2,207 (2024)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-01-406-022.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-01-406-022.000-018`
Alternative APNs	`291301406022000003` `1713010406022000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,422 sqft Living Area
Gross Area	1,662 sqft
1st Floor Area	1,422 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	40,511 sqft (0.93 acres)
Lot Dimensions	288 ft deep x 140 ft wide
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1609 E 109TH ST
City	CARMEL
State	IN
Zip	46280-1202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .93, SECTION 1, TOWNSHIP 17, RANGE 3
Legal Range	03
Legal Township	17
Legal Section	01
Legal Subdivision	CLAY
Legal Lot Number	10
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1009
Census Tract	111006

Owner

Source: Hamilton County records · APN 29-13-01-406-022.000-018

Assessment roll updated March 16, 2026 · Last verified August 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 File
Mailing Address	1609 E 109TH ST, CARMEL, IN 46280-1202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 10, 2022 · Amount on Record
Deed Sale	Nov 10, 2022 · Amount on Record
Deed Document Number	202254139
Prior Transfer Date	Jul 22, 2004
Prior Transfer Doc	0000057523
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Nov 10, 2022
Property Address	1609 E 109TH ST, CARMEL, IN 46280-1202
Document Number	0000054139
Instrument Date	Nov 04, 2022
Instrument	2022054139
Transaction Type	Transfer
Record Updated	Mar 05, 2026
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	1609 E 109TH ST, CARMEL, IN 46280-1202

Mortgage

Document Number	0000054140
Date	Nov 10, 2022
Instrument	2022054140

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 01, 2029
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	11.6%
Index	Other
Margin	3
Max Rate	11.6%

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated March 16, 2026 · Last verified August 2026

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

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		$228,500 (+1.65%) Land $142,900 Building $85,600	$228,500 (+1.65%) Land $142,900 Building $85,600
2024	$2,207.00 (-1.47%)	$224,800 (-0.09%) Land $142,900 Building $81,900	$224,800 (-0.09%) Land $142,900 Building $81,900
2023	$2,240.00 (+12.39%)	$225,000 (+17.43%) Land $142,900 Building $82,100	$225,000 (+17.43%) Land $142,900 Building $82,100
2022	$1,993.00	$191,600 Land $64,100 Building $127,500	$191,600 Land $64,100 Building $127,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hamilton County (18057C), updated October 5, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 180571110061, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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
Nearby Flood Claims	5 (1978–2017)
Claims Outside the SFHA	2 of 5
Most Recent Claim	May 2017 · river or lake flooding

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 68% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 129 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Metronet Holdings, T-Mobile USA.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	CARMEL WATER DEPARTMENT serves 99,927 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.