1830 E 109th St, Carmel (Indianapolis), IN 46280 Property Records

Hamilton County property record for 1830 E 109th St, Carmel, IN 46280

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,552 sqft · built 1958
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$199,500 (Apr 2026)
Tax Bill	$1,524 (2024)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-14-06-302-025.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-14-06-302-025.000-018`
Alternative APN	`1714060302025000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,552 sqft Living Area
Gross Area	2,560 sqft
1st Floor Area	1,552 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Brick
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	39,204 sqft (0.9 acres)
Lot Dimensions	288 ft deep x 130 ft wide
Terrain	High
Garage Type	Attached
Garage Area	1,008 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1830 E 109TH ST
City	CARMEL
State	IN
Zip	46280-1205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 6, TOWNSHIP 17, RANGE 4, WOODLAND 5TH, SECTION 5, LOT 4
Legal Range	04
Legal Township	17
Legal Section	06
Legal Subdivision	WOODLAND 5TH SECTION 5
Legal Block	5
Legal Lot Number	4
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1005
Census Tract	111006

Owner

Source: Hamilton County records, as of April 20, 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	1830 E 109TH ST, CARMEL, IN 46280-1205
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE
Apr 7, 2026	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE
Oct 28, 2025	Transfer on Death Deed, Transfer
Oct 3, 2024	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2026 · Amount on Record
Deed Sale	Apr 7, 2026 · Amount on Record
Prior Sale	Nov 26, 2001 · Amount on Record
Deed Document Number	202614180
Prior Transfer Date	Mar 31, 2026
Prior Transfer Doc	0000014180
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Apr 7, 2026
Property Address	1830 E 109TH ST, CARMEL, IN 46280-1205
Document Number	0000014180
Instrument Date	Mar 31, 2026
Instrument	202614180
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1830 E 109TH ST, CARMEL, IN 46280-1205

Mortgage

Document Number	0000014181,
Date	Apr 7, 2026
Instrument	202614181

Lender

Name	RUOFF MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Apr 7, 2026
Property Address	1830 E 109TH ST, CARMEL, IN 46280-1205
Document Number	0000014180
Instrument Date	Mar 31, 2026
Instrument	202614180
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1830 E 109TH ST, CARMEL, IN 46280-1205

Mortgage

Document Number	0000014181,
Date	Apr 7, 2026
Instrument	202614181

Lender

Name	RUOFF MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 28, 2025
Property Address	1830 E 109TH ST, CARMEL, IN 46280-1205
Document Number	0000046633
Map Reference	MR 52 PG 273
Instrument Date	Oct 23, 2025
Instrument	2025046633
Transaction Type	Transfer
Record Updated	May 22, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6426 QUAIL CIR, INDIANAPOLIS, IN 46278-1974

October 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 3, 2024
Property Address	1830 E 109TH ST, CARMEL, IN 46280-1205
Document Number	0000037724
Map Reference	MR 52 PG 273
Instrument Date	Sep 30, 2024
Instrument	2024037724
Transaction Type	Transfer
Record Updated	May 22, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1830 E 109TH ST, CARMEL, IN 46280-1205

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		$251,100 (+16.47%) Land $98,400 Building $152,700	$251,100 (+16.47%) Land $98,400 Building $152,700
2024	$1,524.00 (+1.46%)	$215,600 (+10.51%) Land $98,400 Building $117,200	$215,600 (+10.51%) Land $98,400 Building $117,200
2023	$1,502.00 (-0.6%)	$195,100 (+6.32%) Land $77,900 Building $117,200	$195,100 (+6.32%) Land $77,900 Building $117,200
2022	$1,511.00	$183,500 Land $77,900 Building $105,600	$183,500 Land $77,900 Building $105,600

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
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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