1815 Spruce Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 1815 Spruce Dr, Carmel, IN 46033 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,157 sqft · built 1991
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Tax Bill	$6,133 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-20-407-041.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-20-407-041.000-018`
Alternative APN	`1610200407041000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,157 sqft Living Area
1st Floor Area	1,388 sqft
2nd Floor Area	865 sqft
Attic	Attic
Attic Area	397 sqft
Basement Area	1,014 sqft
Finished Basement	507 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	145 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	742 sqft
Parking Spaces	3 Parking Spaces
Pool Area	800 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1610200407041000
Street Address	1815 SPRUCE DR
City	CARMEL
State	IN
Zip	46033-9028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .33, SECTION 20, TOWNSHIP 18, RANGE 4, SMOKEY KNOLL, SECTION 2, LOT 148
Legal Range	04
Legal Township	18
Legal Section	20
Legal Subdivision	SMOKEY KNOLL
Legal Block	2
Legal Lot Number	148
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2000
Census Tract	110904

Owner

Source: Hamilton County records · APN 29-10-20-407-041.000-018

Assessment roll updated July 1, 2025 · Last verified March 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 File
Co-owner	Verified Secondary Owner
Mailing Address	1815 SPRUCE DR, CARMEL, IN 46033-9028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 02, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST INTERNET BANK OF INDIANA
Mar 17, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST INTERNET BANK OF INDIANA
Jul 25, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST INTERNET BANK OF INDIANA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 25, 2018
Deed Sale	Jul 25, 2018
Prior Sale	Jul 25, 2018
Deed Document Number	2018033652
Last Transfer Date	Mar 17, 2020
Transfer Doc	2020014224
Record Updated	Jun 08, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1815 SPRUCE DR, CARMEL, IN 46033-9028
Transaction Type	Mortgage
Record Updated	Apr 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021016271
Date	Mar 02, 2021
Instrument	2021016271

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 01, 2041

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1815 SPRUCE DR, CARMEL, IN 46033-9028
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016877
Date	Apr 29, 2019
Instrument	2019016877

Lender

Name	FIRST INTERNET BANK OF INDIANA
Type	Bank
Address	FISHERS, IN 46037

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2049

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON IN
Recording Date	Mar 17, 2020
Property Address	1815 SPRUCE DR, CARMEL, IN 46033-9028
Document Number	2020014224
Instrument Date	Mar 04, 2020
Instrument	2020014224
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1815 SPRUCE DR, CARMEL, IN 46033-9028

Mortgage

Document Number	2020014225
Date	Mar 17, 2020
Instrument	2020014225

Lender

Name	FIRST INTERNET BANK OF INDIANA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jul 25, 2018
Property Address	1815 SPRUCE DR, CARMEL, IN 46033-9028
Document Number	2018033652
Map Reference	MB14 PG144-147
Instrument Date	Jul 03, 2018
Instrument	2018033652
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1815 SPRUCE DR, CARMEL, IN 46033-9028

Mortgage

Document Number	2018033653
Date	Jul 25, 2018
Instrument	2018033653

Lender

Name	FIRST INTERNET BANK OF INDIANA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2048

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated July 1, 2025 · Last verified March 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$599,200 (+11.05%) Land $127,100 Building $472,100	$599,200 (+11.05%) Land $127,100 Building $472,100
2024	$6,133.00 (+14.29%)	$539,600 (+11.33%) Land $127,100 Building $412,500	$539,600 (+11.33%) Land $127,100 Building $412,500
2023	$5,366.00 (+16.02%) Homeowner's exemption	$484,700 (+20.15%) Land $101,600 Building $383,100	$484,700 (+20.15%) Land $101,600 Building $383,100
2022	$4,625.00 Homeowner's exemption	$403,400 Land $101,600 Building $301,800	$403,400 Land $101,600 Building $301,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hamilton County (18057C), updated October 5, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 180571109042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 351 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Metronet Holdings	Fiber	5,120 / 5,120
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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