Hamilton County property record for 1795 Spruce Dr, Carmel, IN 46033
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 4,854 sqft · built 1991 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Owner Name on File |
| Tax Bill | $7,324 (2024) |
| Deeds & Mortgages | Mar 2019 Line of Credit Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-10-20-407-044.000-018 |
| Primary APN | 29-10-20-407-044.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 4,854 sqft Living Area |
| 1st Floor Area | 2,068 sqft |
| 2nd Floor Area | 2,046 sqft |
| Attic Area | 484 sqft |
| Basement Area | 1,122 sqft |
| Finished Basement | 740 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Architectural Style | Other |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 19,602 sqft (0.45 acres) |
| Lot Dimensions | 187 ft deep x 87 ft wide |
| Garage Type | Attached |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 512 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 1610200407044000 |
|---|---|
| Street Address | 1795 SPRUCE DR |
| City | CARMEL |
| State | IN |
| Zip | 46033-9026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .45, SECTION 20, TOWNSHIP 18, RANGE 4, SMOKEY KNOLL, SECTION 2, LOT 151 |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 20 |
| Legal Subdivision | SMOKEY KNOLL SECTION 2 |
| Legal Block | 2 |
| Legal Lot Number | 151 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 110904 |
The current owner of 1795 Spruce Dr acquired it in December 2006.
Source: Hamilton County records, as of March 4, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 1795 SPRUCE DR, CARMEL, IN 46033-9026 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Mar 29, 2019 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Sep 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 20, 2006 |
| Deed Sale | Dec 20, 2006 |
| Prior Sale | Dec 20, 2006 |
| Deed Document Number | 0000075245 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 1795 SPRUCE DR, CARMEL, IN 46033-9026 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000011319 |
|---|---|
| Date | Mar 29, 2019 |
| Instrument | 2019011319 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | BRECKSVILLE, OH 44141 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Mar 19, 2059 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 1795 SPRUCE DR, CARMEL, IN 46033-9026 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000065254 |
|---|---|
| Date | Sep 21, 2020 |
| Instrument | 2020065254 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2035 |
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 | $722,200 (+12.28%) Land $133,800 Building $588,400 | $722,200 (+12.28%) Land $133,800 Building $588,400 | |
| 2024 | $7,324.00 (+11.29%) | $643,200 (+10.59%) Land $133,800 Building $509,400 | $643,200 (+10.59%) Land $133,800 Building $509,400 |
| 2023 | $6,581.00 (+16.73%) Homeowner's exemption | $581,600 (+20.79%) Land $106,900 Building $474,700 | $581,600 (+20.79%) Land $106,900 Building $474,700 |
| 2022 | $5,638.00 Homeowner's exemption | $481,500 Land $106,900 Building $374,600 | $481,500 Land $106,900 Building $374,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1795 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.
The area around 1795 Spruce Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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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