Hamilton County property record for 1778 Fairmount St, Carmel, IN 46032
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 4,578 sqft · built 2006 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $437,500 (Jun 2007) |
| Tax Bill | $8,381 (2024) |
| Deeds & Mortgages | May 2026 Line of Credit Aug 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-09-28-045-019.000-018 |
| Primary APN | 29-09-28-045-019.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 4,578 sqft Living Area |
| Gross Area | 5,598 sqft |
| 1st Floor Area | 3,858 sqft |
| 2nd Floor Area | 954 sqft |
| Basement Area | 1,728 sqft |
| Finished Basement | 1,368 sqft |
| Unfinished Basement | 360 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2010 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 17,424 sqft (0.4 acres) |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1778 FAIRMOUNT ST |
|---|---|
| City | CARMEL |
| State | IN |
| Zip | 46032-7325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .40, SECTION 28, TOWNSHIP 18, RANGE 3, VILLAGE OF WESTCLAY, REPLAT INFORMATION: REPLAT, SECTION 9004, LOT 116, IRREGULAR SHAPE |
| Legal Range | 03 |
| Legal Township | 18 |
| Legal Section | 28 |
| Legal Subdivision | VILLAGE OF WESTCLAY |
| Legal Block | 9004 |
| Legal Lot Number | 116 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 110909 |
1778 Fairmount St is owned and occupied by two individuals who bought it in June 2007.
Source: Hamilton County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1778 FAIRMOUNT ST, CARMEL, IN 46032-7325 |
| 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 |
|---|---|
| May 8, 2026 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK |
| Aug 29, 2017 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Sep 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA |
| Oct 28, 2020 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2007 · Amount on File |
| Deed Sale | Jun 1, 2007 · Amount on File |
| Prior Sale | Feb 22, 2005 |
| Deed Document Number | 200730031 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | May 8, 2026 |
| Property Address | 1778 FAIRMOUNT ST, CARMEL, IN 46032-7325 |
| Document Number | 0000020037 |
| Instrument Date | May 1, 2026 |
| Instrument | 202620037 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1778 FAIRMOUNT ST, CARMEL, IN 46032-7325 |
| Document Number | 0000020037, |
|---|---|
| Date | May 8, 2026 |
| Instrument | 202620037 |
| Name | BMO HARRIS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 6, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 1778 FAIRMOUNT ST, CARMEL, IN 46032-7325 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000042280 |
|---|---|
| Date | Aug 29, 2017 |
| Instrument | 2017042280 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 25, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 1778 FAIRMOUNT ST, CARMEL, IN 46032-7325 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000060701 |
|---|---|
| Date | Sep 3, 2020 |
| Instrument | 2020060701 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 1778 FAIRMOUNT ST, CARMEL, IN 46032-7325 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000077820 |
|---|---|
| Date | Oct 28, 2020 |
| Instrument | 2020077820 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 322 Months |
| Due | Aug 25, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Hamilton County assessment roll, as of March 16, 2026
| 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 | $813,700 (+10.96%) Land $198,500 Building $615,200 | $813,700 (+10.96%) Land $198,500 Building $615,200 | |
| 2024 | $8,381.00 (+8.58%) | $733,300 (+7.71%) Land $198,500 Building $534,800 | $733,300 (+7.71%) Land $198,500 Building $534,800 |
| 2023 | $7,719.00 (+4.49%) Homeowner's exemption | $680,800 (+5.44%) Land $198,500 Building $482,300 | $680,800 (+5.44%) Land $198,500 Building $482,300 |
| 2022 | $7,387.00 Homeowner's exemption | $645,700 Land $142,700 Building $503,000 | $645,700 Land $142,700 Building $503,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1778 Fairmount St 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 | 2 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 1778 Fairmount St 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 124 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 · DSL | 100 / 20 |
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