Hamilton County property record for 1907 Spruce Dr, Carmel, IN 46033
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,756 sqft · built 1989 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $350,000 (May 2016) |
| Tax Bill | $6,786 (2024) |
| Deeds & Mortgages | Apr 2026 Line of Credit Jul 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-10-20-404-003.000-018 |
| Primary APN | 29-10-20-404-003.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 3,756 sqft Living Area |
| Gross Area | 4,952 sqft |
| 1st Floor Area | 4,064 sqft |
| 2nd Floor Area | 1,523 sqft |
| Attic | Attic |
| Attic Area | 1,058 sqft |
| Basement Area | 808 sqft |
| Finished Basement | 500 sqft |
| Unfinished Basement | 308 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Dimensions | 125 ft deep x 168 ft wide |
| Garage Type | Attached |
| Garage Area | 888 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 840 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 1907 SPRUCE DR |
|---|---|
| City | CARMEL |
| State | IN |
| Zip | 46033-9244 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .46, SECTION 20, TOWNSHIP 18, RANGE 4, SMOKEY KNOLL, LOT 32 |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 20 |
| Legal Subdivision | SMOKEY KNOLL |
| Legal Block | 1 |
| Legal Lot Number | 32 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 110904 |
Source: Hamilton County records, as of April 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1907 SPRUCE DR, CARMEL, IN 46033-9244 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 6, 2026 | Deed of Trust, Mortgage · Line of Credit FINANCIAL CTR FIRST CREDIT UNION |
| Jul 13, 2020 | Deed of Trust, Mortgage · Line of Credit BALL STATE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 2016 · Amount on Record |
| Deed Sale | May 2, 2016 · Amount on Record |
| Prior Sale | Oct 17, 2005 · Amount on Record |
| Deed Document Number | 201619232 |
| Prior Transfer Date | May 29, 2002 |
| Prior Transfer Doc | 0000039588 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Apr 6, 2026 |
| Property Address | 1907 SPRUCE DR, CARMEL, IN 46033-9244 |
| Document Number | 0000013637 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 202613637 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1907 SPRUCE DR, CARMEL, IN 46033-9244 |
| Document Number | 0000013637, |
|---|---|
| Date | Apr 6, 2026 |
| Instrument | 202613637 |
| Name | FINANCIAL CTR FIRST CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 1907 SPRUCE DR, CARMEL, IN 46033-9244 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000044508 |
|---|---|
| Date | Jul 13, 2020 |
| Instrument | 2020044508 |
| Name | BALL STATE FCU |
|---|---|
| Type | Credit Union |
| Address | MUNCIE, IN 47304 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 12, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $655,000 (+9.83%) Land $133,500 Building $521,500 | $655,000 (+9.83%) Land $133,500 Building $521,500 | |
| 2024 | $6,786.00 (+6.71%) | $596,400 (+9.39%) Land $133,500 Building $462,900 | $596,400 (+9.39%) Land $133,500 Building $462,900 |
| 2023 | $6,359.00 (+13.03%) Homeowner's exemption | $545,200 (+17.35%) Land $106,700 Building $438,500 | $545,200 (+17.35%) Land $106,700 Building $438,500 |
| 2022 | $5,626.00 Homeowner's exemption | $464,600 Land $106,700 Building $357,900 | $464,600 Land $106,700 Building $357,900 |
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 |
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