191 Carmelaire Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 191 Carmelaire Dr, Carmel, IN 46032

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,491 sqft · built 1976
Lot Size	0.043 acres (1,920 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Feb 2023)
Tax Bill	$2,790 (2024)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2023 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-30-312-012.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-30-312-012.000-018`
Alternative APN	`1610300312012000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,491 sqft Living Area
Gross Area	2,226 sqft
1st Floor Area	2,226 sqft
2nd Floor Area	756 sqft
Basement Area	735 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2004
Architectural Style	Row Home
Construction Type	Frame
Roof Material	Asphalt
Lot Area	1,920 sqft (0.043 acres)
Lot Dimensions	80 ft deep x 24 ft wide
Garage Type	Detached
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	191 CARMELAIRE DR
City	CARMEL
State	IN
Zip	46032-2126
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	ACREAGE .00, SECTION 30, TOWNSHIP 18, RANGE 4, CARMELAIRE, LOT 57
Legal Range	04
Legal Township	18
Legal Section	30
Legal Subdivision	CARMELAIRE
Legal Lot Number	57
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1008
Census Tract	111007

Owner

191 Carmelaire Dr, a condominium, is owned and occupied by an individual who bought it in February 2023.

Source: Hamilton County records, as of May 11, 2026

Owner of Record	Individual Name on File
Mailing Address	191 CARMELAIRE DR, CARMEL, IN 46032-2126
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage WALTON MORTGAGE INC
Feb 13, 2023	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
May 6, 2021	Warranty Deed, Transfer · VA Mortgage GVC MORTGAGE INC
Aug 28, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Jul 24, 2019	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 28, 2018	Trustee's Deed, Foreclosure · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Aug 28, 2018	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2023 · Amount on File
Deed Sale	Feb 13, 2023 · Amount on File
Prior Sale	May 6, 2021 · Amount on File
Deed Document Number	20234530
Prior Transfer Date	Jul 17, 2018
Prior Transfer Doc	0000040050
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Apr 28, 2026
Property Address	191 CARMELAIRE DR, CARMEL, IN 46032-2126
Document Number	0000018239
Instrument Date	Apr 20, 2026
Instrument	202618239
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 CARMELAIRE DR, CARMEL, IN 46032-2126

Mortgage

Document Number	0000018239,
Date	Apr 28, 2026
Instrument	202618239

Lender

Name	WALTON MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Feb 13, 2023
Property Address	191 CARMELAIRE DR, CARMEL, IN 46032-2126
Document Number	0000004530
Map Reference	MB 4 PG 97
Instrument Date	Feb 10, 2023
Instrument	2023004530
Transaction Type	Transfer
Record Updated	Mar 24, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 CARMELAIRE DR, CARMEL, IN 46032-2126

Mortgage

Document Number	0000004531
Date	Feb 13, 2023
Instrument	2023004531

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	May 6, 2021
Property Address	191 CARMELAIRE DR, CARMEL, IN 46032-2126
Document Number	0000034200
Map Reference	MB 4 PG 97
Instrument Date	Apr 30, 2021
Instrument	2021034200
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	CENTURION LAND TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 AIRE DR, CARMEL, IN 46032

Mortgage

Document Number	0000034201
Date	May 6, 2021
Instrument	2021034201

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	191 CARMELAIRE DR, CARMEL, IN 46032-2126
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000058606
Date	Aug 28, 2020
Instrument	2020058606

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jul 24, 2019
Property Address	191 CARMELAIRE DR, CARMEL, IN 46032-2126
Document Number	2019032812
Map Reference	MB 4 PG 97
Instrument Date	Jul 19, 2019
Instrument	2019032812
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	BEST TITLE SERVICES

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 CARMELAIRE DR, CARMEL, IN 46032-2126

Mortgage

Document Number	2019032813
Date	Jul 24, 2019
Instrument	2019032813

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

August 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 28, 2018
Property Address	191 CARMELAIRE DR, CARMEL, IN 46032-2126
Document Number	2018040051
Map Reference	MB4 PG97
Instrument Date	Jul 17, 2018
Instrument	2018040051
Transaction Type	Foreclosure
Record Updated	Oct 22, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 4TH ST NW, CARMEL, IN 46032-1736

Mortgage

Document Number	2018040052
Date	Aug 28, 2018
Instrument	2018040052

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 28, 2018
Property Address	191 CARMELAIRE DR, CARMEL, IN 46032-2126
Document Number	0000040050
Instrument Date	Jul 17, 2018
Instrument	40050
Transaction Type	Transfer
Record Updated	Sep 28, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	191 CARMELAIRE DR CARMEL IN 460322126, CARMEL, IN 46032-2126

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		$300,100 (+10.53%) Land $84,000 Building $216,100	$300,100 (+10.53%) Land $84,000 Building $216,100
2024	$2,790.00 (+4.57%)	$271,500 (+1.08%) Land $84,000 Building $187,500	$271,500 (+1.08%) Land $84,000 Building $187,500
2023	$2,668.00 (+9.79%)	$268,600 (+16.33%) Land $57,200 Building $211,400	$268,600 (+16.33%) Land $57,200 Building $211,400
2022	$2,430.00	$230,900 Land $57,200 Building $173,700	$230,900 Land $57,200 Building $173,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 191 Carmelaire 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	3 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

The area around 191 Carmelaire Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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 418 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
On-Ramp Indiana Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet, Xfinity.

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