1810 E 109th St, Carmel (Indianapolis), IN 46280 Property Records

Hamilton County property record for 1810 E 109th St, Carmel, IN 46280

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 2,549 sqft · built 1958
Lot Size	1.3 acres (56,628 sqft)
Owner	Individual Name on Record
Last Sale	$259,900 (Apr 2018)
Tax Bill	$3,265 (2024)
Deeds & Mortgages	May 2020 Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-14-06-302-026.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-14-06-302-026.000-018`
Alternative APN	`1714060302026000`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,549 sqft Living Area
1st Floor Area	2,549 sqft
2nd Floor Area	770 sqft
Basement Area	2,549 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Architectural Style	Other
Roof Material	Asphalt
Lot Area	56,628 sqft (1.3 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1714060302026000
Street Address	1810 E 109TH ST
City	CARMEL
State	IN
Zip	46280-1205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE 1.30, SECTION 6, TOWNSHIP 17, RANGE 4, WOODLAND 5TH, SECTION 5, LOT 3
Legal Range	04
Legal Township	17
Legal Section	06
Legal Subdivision	WOODLAND SEC 05
Legal Block	5
Legal Lot Number	3
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1005
Census Tract	111006

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1810 E 109TH ST, CARMEL, IN 46280-1205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED SAVINGS BANK
Apr 24, 2018	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2018 · Amount on Record
Deed Sale	Apr 24, 2018 · Amount on Record
Deed Document Number	2018017318
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1810 E 109TH ST, CARMEL, IN 46280-1205
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020025673
Date	May 5, 2020
Instrument	2020025673

Lender

Name	UNITED SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2035

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Apr 24, 2018
Property Address	1810 E 109TH ST, CARMEL, IN 46280-1205
Document Number	2018017318
Map Reference	MR52 PG273-275
Instrument Date	Apr 20, 2018
Instrument	2018017318
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	CHICAGO TITLE CO LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1810 E 10TH ST, INDIANAPOLIS, IN 46201

Mortgage

Document Number	2018017319
Date	Apr 24, 2018
Instrument	2018017319

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2033

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		$373,600 (+21.1%) Land $101,000 Building $272,600	$373,600 (+21.1%) Land $101,000 Building $272,600
2024	$3,265.00 (+8.22%)	$308,500 (+7.23%) Land $101,000 Building $207,500	$308,500 (+7.23%) Land $101,000 Building $207,500
2023	$3,017.00 (-1.47%)	$287,700 (+6.75%) Land $80,200 Building $207,500	$287,700 (+6.75%) Land $80,200 Building $207,500
2022	$3,062.00 Homeowner's exemption	$269,500 Land $80,200 Building $189,300	$269,500 Land $80,200 Building $189,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (1978–2017)
Claims Outside the SFHA	2 of 5
Most Recent Claim	May 2017 · river or lake flooding

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 94% of the US · lower than 63% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Metronet, T-Mobile.

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