Hamilton County property record for 1870 Spruce Dr, Carmel, IN 46033
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,942 sqft · built 1988 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $385,900 (Mar 2018) |
| Tax Bill | $6,396 (2024) |
| Deeds & Mortgages | Dec 2020 Mortgage Mar 2018 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-10-20-407-035.000-018 |
| Primary APN | 29-10-20-407-035.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,942 sqft Living Area |
| Gross Area | 5,471 sqft |
| 1st Floor Area | 4,583 sqft |
| 2nd Floor Area | 1,000 sqft |
| Attic | Attic |
| Attic Area | 1,332 sqft |
| Basement Area | 789 sqft |
| Finished Basement | 592 sqft |
| Unfinished Basement | 197 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 23,087 sqft (0.53 acres) |
| Lot Dimensions | 150 ft deep x 145 ft wide |
| Garage Type | Attached |
| Garage Area | 888 sqft |
| Parking Spaces | 3 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 98 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 1870 SPRUCE DR |
|---|---|
| City | CARMEL |
| State | IN |
| Zip | 46033-9031 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .53, SECTION 20, TOWNSHIP 18, RANGE 4, SMOKEY KNOLL, SECTION 2, LOT 85 |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 20 |
| Legal Subdivision | SMOKEY KNOLL SECTION 2 |
| Legal Block | 2 |
| Legal Lot Number | 85 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 110904 |
1870 Spruce Dr is owned and occupied by two individuals who bought it in March 2018.
Source: Hamilton County records, as of March 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1870 SPRUCE DR, CARMEL, IN 46033-9031 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO |
| Mar 2, 2018 | Trustee's Deed, Foreclosure · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 2, 2018 · Amount on File |
| Deed Sale | Mar 2, 2018 · Amount on File |
| Deed Document Number | 20188624 |
| Prior Transfer Date | Mar 1, 2018 |
| Prior Transfer Doc | 0000008624 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 1870 SPRUCE DR, CARMEL, IN 46033-9031 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SPRINGDALE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0000097031 |
|---|---|
| Date | Dec 31, 2020 |
| Instrument | 2020097031 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Mar 2, 2018 |
| Property Address | 1870 SPRUCE DR, CARMEL, IN 46033-9031 |
| Document Number | 2018008624 |
| Map Reference | MB14 PG144-147 |
| Instrument Date | Mar 1, 2018 |
| Instrument | 2018008624 |
| Transaction Type | Foreclosure |
| Record Updated | Oct 22, 2021 |
| Tax | $0.00 |
|---|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 1870 SPRUCE DR, CARMEL, IN 46033-9031 |
| Document Number | 2018008625 |
|---|---|
| Date | Mar 2, 2018 |
| Instrument | 2018008625 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
Source: Hamilton County assessment roll, as of March 16, 2026
| 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 | $626,500 (+11.7%) Land $136,600 Building $489,900 | $626,500 (+11.7%) Land $136,600 Building $489,900 | |
| 2024 | $6,396.00 (+14.64%) | $560,900 (+10.13%) Land $136,600 Building $424,300 | $560,900 (+10.13%) Land $136,600 Building $424,300 |
| 2023 | $5,579.00 (+16.23%) Homeowner's exemption | $509,300 (+20.69%) Land $109,100 Building $400,200 | $509,300 (+20.69%) Land $109,100 Building $400,200 |
| 2022 | $4,800.00 Homeowner's exemption | $422,000 Land $109,100 Building $312,900 | $422,000 Land $109,100 Building $312,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1870 Spruce Dr in Zone X, an area of minimal flood risk.
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 risk around 1870 Spruce Dr is low, with less than a 0.01% annual chance of 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.
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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