1635 E 109th St, Carmel (Indianapolis), IN 46280 Property Records

Hamilton County property record for 1635 E 109th St, Carmel, IN 46280

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,220 sqft · built 1957
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,468 (2024)
Deeds & Mortgages	Jul 2020 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-01-406-018.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-01-406-018.000-018`
Alternative APNs	`291301406018000003` `1713010406018000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,220 sqft Living Area
1st Floor Area	2,220 sqft
Basement Area	576 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1988
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	288 ft deep x 88 ft wide
Terrain	Rolling
Garage Type	Basement
Garage Area	312 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1713010406018000
Old Parcel Number	291301406018000003
Street Address	1635 E 109TH ST
City	CARMEL
State	IN
Zip	46280-1202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .46, 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	2 Individual Names on Record
Mailing Address	1635 E 109TH ST, CARMEL, IN 46280-1202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Oct 1, 2018	Deed of Trust, Mortgage FORUM CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Oct 5, 2001
Last Transfer Date	Feb 27, 2014
Transfer Doc	0000007256
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1635 E 109TH ST, CARMEL, IN 46280-1202
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020046976
Date	Jul 21, 2020
Instrument	2020046976

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2040

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1635 E 109TH ST, CARMEL, IN 46280-1202
Document Number	0000047600
Instrument Date	Oct 1, 2018
Transaction Type	Mortgage
Record Updated	Jun 27, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1635 E 109TH ST INDIANAPOLIS IN 462801202, INDIANAPOLIS, IN 46280-1202

Mortgage

Document Number	0000047600
Date	Oct 5, 2018
Instrument	47600

Lender

Name	FORUM CU
Type	Credit Union
Address	FISHERS, IN 46038

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Oct 4, 2038

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		$253,900 (+3.34%) Land $103,400 Building $150,500	$253,900 (+3.34%) Land $103,400 Building $150,500
2024	$2,468.00 (+0.33%)	$245,700 (-1.56%) Land $103,400 Building $142,300	$245,700 (-1.56%) Land $103,400 Building $142,300
2023	$2,460.00 (-22.35%)	$249,600 (-12.97%) Land $103,400 Building $146,200	$249,600 (-12.97%) Land $103,400 Building $146,200
2022	$3,168.00	$286,800 Land $48,800 Building $238,000	$286,800 Land $48,800 Building $238,000

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.

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