1850 Spruce Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 1850 Spruce Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,068 sqft · built 1990
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on Record
Last Sale	$793,012 (Jul 2026)
Tax Bill	$7,229 (2024)
Deeds & Mortgages	Jul 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-10-20-407-023.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-20-407-023.000-018`
Alternative APN	`1610200407023000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,068 sqft Living Area
Gross Area	6,402 sqft
1st Floor Area	3,068 sqft
Basement Area	1,534 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Brick
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	145 ft deep x 130 ft wide
Garage Type	Attached
Garage Area	1,800 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1850 SPRUCE DR
City	CARMEL
State	IN
Zip	46033-9030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .43, SECTION 20, TOWNSHIP 18, RANGE 4, SMOKEY KNOLL, SECTION 2, LOT 97
Legal Range	04
Legal Township	18
Legal Section	20
Legal Subdivision	SMOKEY KNOLL SECTION 2
Legal Block	2
Legal Lot Number	97
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3015
Census Tract	110904

Owner

Source: Hamilton County records, as of July 20, 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
Mailing Address	1850 SPRUCE DR, CARMEL, IN 46033-9030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2026 · Amount on Record
Deed Sale	Jul 7, 2026 · Amount on Record
Prior Sale	Aug 2, 2002 · Amount on Record
Deed Document Number	202630394
Prior Transfer Date	Jul 12, 2024
Prior Transfer Doc	0000025013
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jul 7, 2026
Property Address	1850 SPRUCE DR, CARMEL, IN 46033-9030
Document Number	0000030394
Instrument Date	Jul 1, 2026
Instrument	202630394
Transaction Type	Transfer
Record Updated	Oct 23, 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	1850 SPRUCE DR, CARMEL, IN 46033-9030

Mortgage

Document Number	0000030395,
Date	Jul 7, 2026
Instrument	202630395

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
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		$716,000 (+12.77%) Land $131,800 Building $584,200	$716,000 (+12.77%) Land $131,800 Building $584,200
2024	$7,229.00 (+14.13%)	$634,900 (+11.05%) Land $131,800 Building $503,100	$634,900 (+11.05%) Land $131,800 Building $503,100
2023	$6,334.00 (+18.15%) Homeowner's exemption	$571,700 (+21.66%) Land $105,300 Building $466,400	$571,700 (+21.66%) Land $105,300 Building $466,400
2022	$5,361.00 Homeowner's exemption	$469,900 Land $105,300 Building $364,600	$469,900 Land $105,300 Building $364,600

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	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.

Wildfire

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.

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 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