1615 E 109th St, Carmel (Indianapolis), IN 46280 Property Records

Hamilton County property record for 1615 E 109th St, Carmel, IN 46280

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,224 sqft · built 1954
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on Record
Tax Bill	$1,387 (2024)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-01-406-020.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-01-406-020.000-018`
Alternative APNs	`291301406020000003` `1713010406020000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,224 sqft Living Area
1st Floor Area	1,224 sqft

Exterior

Year Built	Built 1954
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	181 ft deep x 98 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1713010406020000
Old Parcel Number	291301406020000003
Street Address	1615 E 109TH ST
City	CARMEL
State	IN
Zip	46280-1202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 1, TOWNSHIP 17, RANGE 3
Legal Range	03
Legal Township	17
Legal Section	01
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1009
Census Tract	111006

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
Mailing Address	1615 E 109TH ST, CARMEL, IN 46280-1202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Apr 17, 2019	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2019
Deed Sale	Apr 17, 2019
Deed Document Number	2019015210
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1615 E 109TH ST, CARMEL, IN 46280-1202
Transaction Type	Mortgage
Record Updated	Oct 22, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020075646
Date	Oct 21, 2020
Instrument	2020075646

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Apr 17, 2019
Property Address	1615 E 109TH ST, CARMEL, IN 46280-1202
Document Number	2019015210
Instrument Date	Apr 12, 2019
Instrument	2019015210
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	NEAR NORTH TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1615 E 109TH ST, CARMEL, IN 46280-1202
Investor	Possibly a Property Investor

Mortgage

Document Number	2019015211
Date	Apr 17, 2019
Instrument	2019015211

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

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		$159,500 (+0.25%) Land $90,300 Building $69,200	$159,500 (+0.25%) Land $90,300 Building $69,200
2024	$1,387.00 (+2.97%)	$159,100 (-) Land $90,300 Building $68,800	$159,100 (-) Land $90,300 Building $68,800
2023	$1,347.00 (+3.3%)	$159,100 (+8.45%) Land $90,300 Building $68,800	$159,100 (+8.45%) Land $90,300 Building $68,800
2022	$1,304.00	$146,700 Land $40,500 Building $106,200	$146,700 Land $40,500 Building $106,200

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

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 95% of the US · lower than 68% 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 129 locations within half a mile, as of December 31, 2025

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, T-Mobile.

Nearby Properties on E 109th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures