Hamilton County property record for 1769 Spruce Dr, Carmel, IN 46033
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,252 sqft · built 1989 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,189 (2024) |
| Deeds & Mortgages | Jul 2022 Transfer Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-10-20-407-050.000-018 |
| Primary APN | 29-10-20-407-050.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Total Rooms | 14 Rooms |
| Stories | 2 Stories |
| Building Area | 3,252 sqft Living Area |
| 1st Floor Area | 1,743 sqft |
| 2nd Floor Area | 1,509 sqft |
| Attic Area | 912 sqft |
| Basement Area | 818 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Architectural Style | Other |
| Roof Material | Asphalt |
| Lot Area | 18,731 sqft (0.43 acres) |
| Lot Dimensions | 129 ft deep x 145 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 912 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 1610200407050000 |
|---|---|
| Street Address | 1769 SPRUCE DR |
| City | CARMEL |
| State | IN |
| Zip | 46033-9026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .43, SECTION 20, TOWNSHIP 18, RANGE 4, SMOKEY KNOLL, SECTION 2, LOT 157 |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 20 |
| Legal Subdivision | SMOKEY KNOLL SEC 02 |
| Legal Block | 2 |
| Legal Lot Number | 157 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 110904 |
1769 Spruce Dr is owned and occupied by an individual who acquired it in July 2022.
Source: Hamilton County records, as of March 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1769 SPRUCE DR, CARMEL, IN 46033-9026 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 25, 2022 | Affidavit of Death of Joint Tenant, Transfer |
| Apr 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 25, 2022 |
| Deed Sale | Jul 25, 2022 |
| Record Updated | Jun 8, 2026 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Jul 25, 2022 |
| Property Address | 1769 SPRUCE DR, CARMEL, IN 46033-9026 |
| Document Number | 0000036870 |
| Map Reference | MB 14 PG 144-147 |
| Instrument Date | Jul 25, 2022 |
| Instrument | 2022036870 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1769 SPRUCE DR, CARMEL, IN 46033-9026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 1769 SPRUCE DR, CARMEL, IN 46033-9026 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021030953 |
|---|---|
| Date | Apr 23, 2021 |
| Instrument | 2021030953 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | ITASCA, IL 60143 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | May 1, 2031 |
Source: Hamilton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Clay Township |
| Municipality | Carmel City |
| Unified School District | Carmel Clay Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $598,000 (+9.83%) Land $131,800 Building $466,200 | $598,000 (+9.83%) Land $131,800 Building $466,200 | |
| 2024 | $6,189.00 (+16.31%) | $544,500 (+11.6%) Land $131,800 Building $412,700 | $544,500 (+11.6%) Land $131,800 Building $412,700 |
| 2023 | $5,321.00 (+15.75%) Homeowner's exemption | $487,900 (+20.65%) Land $105,300 Building $382,600 | $487,900 (+20.65%) Land $105,300 Building $382,600 |
| 2022 | $4,597.00 Homeowner's exemption | $404,400 Land $105,300 Building $299,100 | $404,400 Land $105,300 Building $299,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1769 Spruce Dr in Zone X, an area of minimal flood risk.
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 | 1 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 risk around 1769 Spruce Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 78% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 351 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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