1865 Halifax St, Carmel, IN 46032 Property Records

Hamilton County property record for 1865 Halifax St, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,471 sqft · built 2005
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$431,200 (Sep 2005)
Tax Bill	$8,213 (2024)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-28-042-001.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-28-042-001.000-018`
Alternative APN	`1709280042001000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	18 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,471 sqft Living Area
Gross Area	5,989 sqft
1st Floor Area	5,575 sqft
2nd Floor Area	1,625 sqft
Basement Area	1,846 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1865 HALIFAX ST
City	CARMEL
State	IN
Zip	46032-7326
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .34, SECTION 28, TOWNSHIP 18, RANGE 3, VILLAGE OF WESTCLAY, SECTION 9005, LOT 59
Legal Range	03
Legal Township	18
Legal Section	28
Legal Subdivision	VILLAGE OF WESTCLAY SECTION 9005
Legal Block	9005
Legal Lot Number	59
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3014
Census Tract	110909

Owner

Source: Hamilton County records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1865 HALIFAX ST, CARMEL, IN 46032-7326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Oct 2, 2025	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK
Apr 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2005 · Amount on Record
Deed Sale	Sep 27, 2005 · Amount on Record
Deed Document Number	200563534
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Jul 6, 2026
Property Address	1865 HALIFAX ST, CARMEL, IN 46032-7326
Document Number	0000029998
Instrument Date	Jun 23, 2026
Instrument	202629998
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1865 HALIFAX ST, CARMEL, IN 46032-7326

Mortgage

Document Number	0000029998,
Date	Jul 6, 2026
Instrument	202629998

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 2056

Interest

Rate	6.53%
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1865 HALIFAX ST, CARMEL, IN 46032-7326
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042274
Date	Oct 2, 2025
Instrument	2025042274

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45246

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Sep 10, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1865 HALIFAX ST, CARMEL, IN 46032-7326
Transaction Type	Mortgage
Record Updated	May 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021028752
Date	Apr 15, 2021
Instrument	2021028752

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Adjustable Rate Rider
Min Rate At Change	2.25%
Max Rate At Change	7.37%
Max Rate	7.37%

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		$795,400 (+10.63%) Land $192,600 Building $602,800	$795,400 (+10.63%) Land $192,600 Building $602,800
2024	$8,213.00 (+10.17%)	$719,000 (+8.61%) Land $192,600 Building $526,400	$719,000 (+8.61%) Land $192,600 Building $526,400
2023	$7,455.00 (+4.02%) Homeowner's exemption	$662,000 (+5.63%) Land $192,600 Building $469,400	$662,000 (+5.63%) Land $192,600 Building $469,400
2022	$7,167.00 Homeowner's exemption	$626,700 Land $138,400 Building $488,300	$626,700 Land $138,400 Building $488,300

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
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 97% of the US · lower than 78% 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 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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