18 Albert Ct, Carmel, IN 46032 Property Records

Hamilton County property record for 18 Albert Ct, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,326 sqft · built 1970
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,864 (2024)
Deeds & Mortgages	Mar 2022 Mortgage Apr 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-30-306-010.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-30-306-010.000-018`
Alternative APN	`1610300306010000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,326 sqft Living Area
1st Floor Area	1,184 sqft
2nd Floor Area	900 sqft
Basement Area	432 sqft
Finished Basement	242 sqft
Family Room	Family Room
Game Room	Game Room

Exterior

Year Built	Built 1970
Architectural Style	Other
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	137 ft deep x 46 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1610300306010000
Street Address	18 ALBERT CT
City	CARMEL
State	IN
Zip	46032-2209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 30, TOWNSHIP 18, RANGE 4, CONCORD VILLAGE, SECTION 2, LOT 38, IRREGULAR SHAPE
Legal Range	04
Legal Township	18
Legal Section	30
Legal Subdivision	CONCORD VILLAGE
Legal Lot Number	38
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1004
Census Tract	111007

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	18 ALBERT CT, CARMEL, IN 46032-2209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 5, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 29, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Sep 2, 2019	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Nov 26, 2018	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jul 25, 2017	Deed of Trust, Mortgage · VA Mortgage IFREEDOM DIRECT

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	18 ALBERT CT, CARMEL, IN 46032-2209
Transaction Type	Mortgage
Record Updated	Apr 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014303
Date	Mar 21, 2022
Instrument	2022014303

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	18 ALBERT CT, CARMEL, IN 46032-2209
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	COMMUNITIES TITLE COMPANY, COMMUNITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021025726
Date	Apr 5, 2021
Instrument	2021025726

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Aug 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	18 ALBERT CT, CARMEL, IN 46032-2209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040458
Date	Jun 29, 2020
Instrument	2020040458

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	18 ALBERT CT, CARMEL, IN 46032-2209
Document Number	0000044205
Instrument Date	Sep 2, 2019
Transaction Type	Mortgage
Record Updated	Oct 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18 ALBERT CT CARMEL IN 460322209, CARMEL, IN 46032-2209

Mortgage

Document Number	0000044205
Date	Sep 16, 2019
Instrument	44205

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	18 ALBERT CT, CARMEL, IN 46032-2209
Document Number	0000056284
Instrument Date	Nov 26, 2018
Transaction Type	Mortgage
Record Updated	Dec 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18 ALBERT CT CARMEL IN 460322209, CARMEL, IN 46032-2209

Mortgage

Document Number	0000056284
Date	Dec 4, 2018
Instrument	56284

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2048

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	18 ALBERT CT, CARMEL, IN 46032-2209
Document Number	0000036902
Instrument Date	Jul 25, 2017
Transaction Type	Mortgage
Record Updated	Jan 23, 2018
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18 ALBERT CT CARMEL IN 460322209, CARMEL, IN 46032-2209

Mortgage

Document Number	0000036902
Date	Aug 1, 2017
Instrument	36902

Lender

Name	IFREEDOM DIRECT
Address	SALT LAKE CITY, UT 84116

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2047

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		$366,500 (+2.52%) Land $68,600 Building $297,900	$366,500 (+2.52%) Land $68,600 Building $297,900
2024	$3,864.00 (+3.23%)
2023	$3,743.00 (+13.01%)	$357,500 (+20.49%) Land $68,600 Building $288,900	$357,500 (+20.49%) Land $68,600 Building $288,900
2022	$3,312.00	$296,700 Land $68,600 Building $228,100	$296,700 Land $68,600 Building $228,100

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

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 99.1% of the US · lower than 94% 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 418 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
On-Ramp Indiana Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet, Xfinity.

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