Hamilton County property record for 1816 Spruce Dr, Carmel, IN 46033
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,516 sqft · built 1990 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $615,000 (Dec 2025) |
| Tax Bill | $7,033 (2024) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Apr 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-10-20-407-020.000-018 |
| Primary APN | 29-10-20-407-020.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 4,516 sqft Living Area |
| 1st Floor Area | 1,788 sqft |
| 2nd Floor Area | 1,756 sqft |
| Basement Area | 1,296 sqft |
| Finished Basement | 972 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Architectural Style | Other |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Lot Dimensions | 145 ft deep x 105 ft wide |
| Garage Type | Attached |
| Garage Area | 575 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 1610200407020000 |
|---|---|
| Street Address | 1816 SPRUCE DR |
| City | CARMEL |
| State | IN |
| Zip | 46033-9027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .35, SECTION 20, TOWNSHIP 18, RANGE 4, SMOKEY KNOLL, SECTION 2, LOT 100 |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 20 |
| Legal Subdivision | SMOKEY KNOLL SECTION TWO |
| Legal Block | 2 |
| Legal Lot Number | 100 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 110904 |
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 | 1816 SPRUCE DR, CARMEL, IN 46033-9027 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 9, 2025 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Apr 22, 2021 | Warranty Deed, Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION |
| Jul 21, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Jul 21, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2025 · Amount on Record |
| Deed Sale | Dec 9, 2025 · Amount on Record |
| Prior Sale | Jul 21, 2021 |
| Deed Document Number | 2025053306 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Dec 9, 2025 |
| Property Address | 1816 SPRUCE DR, CARMEL, IN 46033-9027 |
| Document Number | 0000053306 |
| Map Reference | MB 14 PG 144 |
| Instrument Date | Dec 2, 2025 |
| Instrument | 2025053306 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14350 MUNDY DR800 |
| Name | Verified Name |
|---|---|
| Address | 1816 SPRUCE DR, CARMEL, IN 46033-9027 |
| Document Number | 0000053307 |
|---|---|
| Date | Dec 9, 2025 |
| Instrument | 2025053307 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Apr 22, 2021 |
| Property Address | 1816 SPRUCE DR, CARMEL, IN 46033-9027 |
| Document Number | 0000030577 |
| Instrument Date | Apr 20, 2021 |
| Instrument | 2021030577 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2025 |
| Title Company | MTC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1816 SPRUCE DR, CARMEL, IN 46033-9027 |
| Document Number | 0000030578 |
|---|---|
| Date | Apr 22, 2021 |
| Instrument | 2021030578 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Jul 21, 2021 |
| Property Address | 1816 SPRUCE DR, CARMEL, IN 46033-9027 |
| Document Number | 0000052865 |
| Map Reference | MB 14 PG 144-147 |
| Instrument Date | Dec 4, 2020 |
| Instrument | 2021052865 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1816 SPRUCE DR, CARMEL, IN 46033-9027 |
| Document Number | 0000052866 |
|---|---|
| Date | Jul 21, 2021 |
| Instrument | 2021052866 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 174 Months |
| Due | Jan 1, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Jul 21, 2021 |
| Property Address | 1816 SPRUCE DR, CARMEL, IN 46033-9027 |
| Document Number | 0000052867 |
| Map Reference | MB 14 PG 144-147 |
| Instrument Date | Dec 4, 2020 |
| Instrument | 2021052867 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 1816 SPRUCE DR, CARMEL, IN 46033-9027 |
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 | $696,400 (+12.7%) Land $127,900 Building $568,500 | $696,400 (+12.7%) Land $127,900 Building $568,500 | |
| 2024 | $7,033.00 (+14.38%) | $617,900 (+11.05%) Land $127,900 Building $490,000 | $617,900 (+11.05%) Land $127,900 Building $490,000 |
| 2023 | $6,149.00 (+18.07%) Homeowner's exemption | $556,400 (+21.67%) Land $102,200 Building $454,200 | $556,400 (+21.67%) Land $102,200 Building $454,200 |
| 2022 | $5,208.00 Homeowner's exemption | $457,300 Land $102,200 Building $355,100 | $457,300 Land $102,200 Building $355,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 85% 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.
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 176 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 · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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