1872 Cecil St, Carmel, IN 46032 Property Records

Hamilton County property record for 1872 Cecil St, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 ba · 6,122 sqft · built 2003
Lot Size	0.289 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$876,525 (May 2020)
Tax Bill	$9,709 (2024)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-09-28-033-022.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-28-033-022.000-018`
Alternative APN	`1709280033022000`

Interior

Full Baths	4 Baths
Plumbing Fixtures	20 Plumbing Fixtures
Stories	2 Stories
Building Area	6,122 sqft Living Area
1st Floor Area	2,270 sqft
2nd Floor Area	1,902 sqft
Attic	Attic
Attic Area	936 sqft
Basement Area	2,270 sqft
Finished Basement	1,950 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Architectural Style	Other
Roof Material	Asphalt
Lot Area	12,632 sqft (0.289 acres)
Garage Type	Attached
Garage Area	936 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709280033022000
Street Address	1872 CECIL ST
City	CARMEL
State	IN
Zip	46032-7317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .29, SECTION 28, TOWNSHIP 18, RANGE 3, VILLAGE OF WESTCLAY, SECTION AG02, LOT 428, IRREGULAR SHAPE
Legal Range	03
Legal Township	18
Legal Section	28
Legal Subdivision	SECTION AG02 OF THE VILLAGE OF WESTCLAY
Legal Lot Number	428 63
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1028
Census Tract	111009

Owner

Source: Hamilton County records, as of March 4, 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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1872 CECIL ST, CARMEL, IN 46032-7317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2020 · Amount on File
Deed Sale	May 11, 2020 · Amount on File
Prior Sale	Apr 2, 2015
Deed Document Number	2020027123
Record Updated	Jun 8, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	May 11, 2020
Property Address	1872 CECIL ST, CARMEL, IN 46032-7317
Document Number	2020027123
Map Reference	DOC 200300041585
Instrument Date	May 8, 2020
Instrument	2020027123
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	NEAR NORTH TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1872 CECIL ST, CARMEL, IN 46032-7317

Mortgage

Document Number	2020027125
Date	May 11, 2020
Instrument	2020027125

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.62%
Index	1-Year LIBOR
Max Rate	7.62%

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of July 1, 2025

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		$922,200 (+8.96%) Land $240,800 Building $681,400	$922,200 (+8.96%) Land $240,800 Building $681,400
2024	$9,709.00 (+0.6%)	$846,400 (-) Land $240,800 Building $605,600	$846,400 (-) Land $240,800 Building $605,600
2023	$9,651.00 (+6%) Homeowner's exemption	$846,400 (+6.96%) Land $240,800 Building $605,600	$846,400 (+6.96%) Land $240,800 Building $605,600
2022	$9,105.00 Homeowner's exemption	$791,300 Land $149,400 Building $641,900	$791,300 Land $149,400 Building $641,900

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	6 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	Not rated no burnable land within 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 299 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20