1807 Spruce Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 1807 Spruce Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,477 sqft · built 1989
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Last Sale	$303,600 (Dec 2007)
Tax Bill	$6,428 (2024)
Deeds & Mortgages	Aug 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-10-20-407-042.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-20-407-042.000-018`
Alternative APN	`1610200407042000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,477 sqft Living Area
Gross Area	5,142 sqft
1st Floor Area	2,928 sqft
Basement Area	732 sqft
Finished Basement	549 sqft
Unfinished Basement	183 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Brick
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	185 ft deep x 83.3 ft wide
Garage Type	Attached
Garage Area	1,482 sqft
Parking Spaces	3 Parking Spaces
Pool Area	648 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1807 SPRUCE DR
City	CARMEL
State	IN
Zip	46033-9028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .44, SECTION 20, TOWNSHIP 18, RANGE 4, SMOKEY KNOLL, SECTION 2, LOT 149
Legal Range	04
Legal Township	18
Legal Section	20
Legal Subdivision	SMOKEY KNOLL SECTION 2
Legal Block	2
Legal Lot Number	149
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2000
Census Tract	110904

Owner

Source: Hamilton County records, as of September 9, 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	2 Individual Names on Record
Mailing Address	1807 SPRUCE DR, CARMEL, IN 46033-9028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2007 · Amount on Record
Deed Sale	Dec 6, 2007 · Amount on Record
Prior Sale	Dec 15, 2006 · Amount on Record
Deed Document Number	200768074
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Aug 25, 2026
Property Address	1807 SPRUCE DR, CARMEL, IN 46033-9028
Document Number	0000039062
Instrument Date	Aug 19, 2026
Instrument	202639062
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039062,
Date	Aug 25, 2026
Instrument	202639062

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

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		$615,900 (+0.33%) Land $132,500 Building $483,400	$615,900 (+0.33%) Land $132,500 Building $483,400
2024	$6,428.00 (+1.44%)	$613,900 (+10.91%) Land $132,500 Building $481,400	$613,900 (+10.91%) Land $132,500 Building $481,400
2023	$6,337.00 (+14.82%) Homeowner's exemption	$553,500 (+19.83%) Land $105,900 Building $447,600	$553,500 (+19.83%) Land $105,900 Building $447,600
2022	$5,519.00 Homeowner's exemption	$461,900 Land $105,900 Building $356,000	$461,900 Land $105,900 Building $356,000

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	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

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.

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 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