1626 Esprit Dr, Carmel (Westfield), IN 46074 Property Records

Hamilton County property record for 1626 Esprit Dr, Carmel, IN 46074

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,750 sqft · built 2000
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Last Sale	$582,540 (Jul 2026)
Tax Bill	$5,355 (2024)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-21-008-050.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-21-008-050.000-018`
Alternative APN	`1709210008050000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,750 sqft Living Area
Gross Area	3,350 sqft
1st Floor Area	2,866 sqft
2nd Floor Area	1,150 sqft
Basement Area	616 sqft
Finished Basement	500 sqft
Unfinished Basement	116 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Frame
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	148 ft deep x 98.5 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

Street Address	1626 ESPRIT DR
City	CARMEL
State	IN
Zip	46074-8965
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .38, SECTION 21, TOWNSHIP 18, RANGE 3, SADDLE CREEK, SECTION 6, LOT 241, IRREGULAR SHAPE
Legal Range	03
Legal Township	18
Legal Section	21
Legal Subdivision	SADDLE CREEK SECTION 6
Legal Lot Number	241
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2002
Census Tract	110909

Owner

Source: Hamilton County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1626 ESPRIT DR, CARMEL, IN 46074-8965
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Dec 2, 2019	Deed of Trust, Mortgage · ARM THE HUNTINGTON NATIONAL BANK
Jun 1, 2018	Warranty Deed, Transfer · ARM THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2026 · Amount on Record
Deed Sale	Jul 7, 2026 · Amount on Record
Prior Sale	Jun 1, 2018 · Amount on Record
Deed Document Number	202630474
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jul 7, 2026
Property Address	1626 ESPRIT DR, CARMEL, IN 46074-8965
Document Number	0000030474
Instrument Date	Jun 15, 2026
Instrument	202630474
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1626 ESPRIT DR, CARMEL, IN 46074-8965

Mortgage

Document Number	0000030475,
Date	Jul 7, 2026
Instrument	202630475

Lender

Name	RUOFF MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1626 ESPRIT DR, CARMEL, IN 46074-8965
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050758
Date	Jul 13, 2021
Instrument	2021050758

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2041

Interest

Rate Type	Adjustable Rate
Rate	2.7%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2036
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7.7%
Index	Other
Margin	3
Max Rate	7.7%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1626 ESPRIT DR, CARMEL, IN 46074-8965
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060758
Date	Dec 2, 2019
Instrument	2019060758

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Undisclosed
Address	COLUMBUS, OH 43235

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.2%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.2%
Index	1-Year LIBOR
Max Rate	8.2%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 1, 2018
Property Address	1626 ESPRIT DR, CARMEL, IN 46074-8965
Document Number	2018023876
Map Reference	CAB2 SL245
Instrument Date	May 31, 2018
Instrument	2018023876
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	MERIDIAN TITLE CORP

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	1626 ESPRIT DR, CARMEL, IN 46074-8965

Mortgage

Document Number	2018023877
Date	Jun 1, 2018
Instrument	2018023877

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.55%
Type Change Date	Jul 1, 2033
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.55%
Index	1-Year LIBOR
Max Rate	9.55%

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 16, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$475,900 (-0.21%) Land $132,600 Building $343,300	$475,900 (-0.21%) Land $132,600 Building $343,300
2024	$5,355.00 (+13.26%)	$476,900 (+8.66%) Land $132,600 Building $344,300	$476,900 (+8.66%) Land $132,600 Building $344,300
2023	$4,728.00 (+9.93%) Homeowner's exemption	$438,900 (+16.05%) Land $72,400 Building $366,500	$438,900 (+16.05%) Land $72,400 Building $366,500
2022	$4,301.00 Homeowner's exemption	$378,200 Land $72,400 Building $305,800	$378,200 Land $72,400 Building $305,800

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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