Hamilton County property record for 1889 Spruce Dr, Carmel, IN 46033
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,631 sqft · built 1993 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $10,539 (2024) |
| Deeds & Mortgages | Mar 2026 Transfer Jun 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-10-20-407-066.000-018 |
| Primary APN | 29-10-20-407-066.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,631 sqft Living Area |
| Gross Area | 4,803 sqft |
| 1st Floor Area | 3,631 sqft |
| 2nd Floor Area | 1,175 sqft |
| Basement Area | 999 sqft |
| Finished Basement | 999 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 16,117 sqft (0.37 acres) |
| Lot Dimensions | 156 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 1,172 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 1889 SPRUCE DR |
|---|---|
| City | CARMEL |
| State | IN |
| Zip | 46033-9029 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .37, SECTION 20, TOWNSHIP 18, RANGE 4, SMOKEY KNOLL, SECTION 2, LOT 142 |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 20 |
| Legal Subdivision | SMOKEY KNOLL SECTION 2 |
| Legal Block | 2 |
| Legal Lot Number | 142 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 110904 |
Source: Hamilton County records, as of April 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 1889 SPRUCE DR, CARMEL, IN 46033-9029 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Mar 27, 2026 | Intrafamily Transfer, Transfer |
| Jun 10, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Dec 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Mar 27, 2026 |
| Property Address | 1889 SPRUCE DR, CARMEL, IN 46033-9029 |
| Document Number | 0000012606 |
| Map Reference | MB 14 PG 144-148 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 2026012606 |
| Transaction Type | Transfer |
| Record Updated | Apr 8, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1889 SPRUCE DR, CARMEL, IN 46033-9029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 1889 SPRUCE DR, CARMEL, IN 46033-9029 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1889 SPRUCE DR, CARMEL, IN 46033-9029 |
| Document Number | 0000028898 |
|---|---|
| Date | Jun 10, 2022 |
| Instrument | 2022028898 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Mar 25, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 1889 SPRUCE DR, CARMEL, IN 46033-9029 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2022 |
| Title Company | AMROCK INC, AMROCK |
| Name | Verified Name |
|---|
| Document Number | 0000088825 |
|---|---|
| Date | Dec 13, 2021 |
| Instrument | 2021088825 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
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 | $589,200 (+11.68%) Land $129,400 Building $459,800 | $589,200 (+11.68%) Land $129,400 Building $459,800 | |
| 2024 | $10,539.00 (+8.41%) | $527,600 (+9.42%) Land $129,400 Building $398,200 | $527,600 (+9.42%) Land $129,400 Building $398,200 |
| 2023 | $9,721.00 (+24.76%) | $482,200 (+20.67%) Land $103,400 Building $378,800 | $482,200 (+20.67%) Land $103,400 Building $378,800 |
| 2022 | $7,792.00 | $399,600 Land $103,400 Building $296,200 | $399,600 Land $103,400 Building $296,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures