1645 E 109th St, Carmel (Indianapolis), IN 46280 Property Records

Hamilton County property record for 1645 E 109th St, Carmel, IN 46280

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,976 sqft · built 1935
Lot Size	1.2 acres (52,272 sqft)
Owner	Individual Name on Record
Tax Bill	$3,395 (2024)
Deeds & Mortgages	Mar 2026 Line of Credit May 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-13-01-406-014.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-01-406-014.000-018`
Alternative APNs	`291301406014000003` `1713010406014000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,976 sqft Living Area
Gross Area	3,224 sqft
1st Floor Area	1,976 sqft
Basement Area	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1974
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	52,272 sqft (1.2 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	125 sqft
Shed	1 Shed
Shed Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1645 E 109TH ST
City	CARMEL
State	IN
Zip	46280-1202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE 1.20, SECTION 1, TOWNSHIP 17, RANGE 3
Legal Range	03
Legal Township	17
Legal Section	01
Legal Subdivision	CLAY
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1009
Census Tract	111006

Owner

Source: Hamilton County records, as of May 27, 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	1645 E 109TH ST, CARMEL, IN 46280-1202
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN
May 14, 2026	Warranty Deed, Transfer INDIANA HOME TITLE LLC, INDIANA HOME TITLE
Sep 22, 2020	Deed of Trust, Mortgage CALIBER HM LOANS
Oct 16, 2019	Deed of Trust, Mortgage CALIBER HM LOANS
Jun 21, 2019	Warranty Deed, Transfer CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2026
Deed Sale	May 14, 2026
Deed Document Number	202621356
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1645 E 109TH ST, CARMEL, IN 46280-1202
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008846
Date	Mar 5, 2026
Instrument	2026008846

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 25, 2056

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	May 14, 2026
Property Address	1645 E 109TH ST, CARMEL, IN 46280-1202
Document Number	0000021356
Instrument Date	May 13, 2026
Instrument	202621356
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	INDIANA HOME TITLE LLC, INDIANA HOME TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 E 109TH ST, CARMEL, IN 46280-1202

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1645 E 109TH ST, CARMEL, IN 46280-1202
Document Number	0000074200
Instrument Date	Sep 22, 2020
Transaction Type	Mortgage
Record Updated	Nov 9, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1645 E 109TH ST CARMEL IN 462801202, CARMEL, IN 46280-1202

Mortgage

Document Number	0000074200
Date	Oct 16, 2020
Instrument	74200

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1645 E 109TH ST, CARMEL, IN 46280-1202
Document Number	0000051770
Instrument Date	Oct 16, 2019
Transaction Type	Mortgage
Record Updated	Nov 7, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0000051770
Date	Oct 18, 2019
Instrument	51770

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2049

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 21, 2019
Property Address	1645 E 109TH ST, CARMEL, IN 46280-1202
Document Number	0000026553
Instrument Date	May 7, 2019
Instrument	26553
Transaction Type	Transfer
Record Updated	Nov 14, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1645 E 109TH ST INDIANAPOLIS IN 462801202, INDIANAPOLIS, IN 46280-1202

Mortgage

Document Number	26554
Date	Jun 21, 2019
Instrument	26554

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 20, 2049

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		$310,400 (-0.83%) Land $156,600 Building $153,800	$310,400 (-0.83%) Land $156,600 Building $153,800
2024	$3,395.00 (+0.03%)	$313,000 (-) Land $156,600 Building $156,400	$313,000 (-) Land $156,600 Building $156,400
2023	$3,394.00 (+32.58%)	$313,000 (+32.29%) Land $156,600 Building $156,400	$313,000 (+32.29%) Land $156,600 Building $156,400
2022	$2,560.00	$236,600 Land $70,200 Building $166,400	$236,600 Land $70,200 Building $166,400

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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