Hamilton County property record for 1916 Spruce Dr, Carmel, IN 46033
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 4,154 sqft · built 1990 |
| Lot Size | 0.73 acres (31,799 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,477 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-10-20-406-002.000-018 |
| Primary APN | 29-10-20-406-002.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 19 Plumbing Fixtures |
| Total Rooms | 14 Rooms |
| Stories | 2 Stories |
| Building Area | 4,154 sqft Living Area |
| 1st Floor Area | 2,367 sqft |
| 2nd Floor Area | 1,172 sqft |
| Basement Area | 1,317 sqft |
| Finished Basement | 615 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Architectural Style | Other |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 31,799 sqft (0.73 acres) |
| Garage Type | Attached |
| Garage Area | 744 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 1610200406002000 |
|---|---|
| Street Address | 1916 SPRUCE DR |
| City | CARMEL |
| State | IN |
| Zip | 46033-9243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .73, SECTION 20, TOWNSHIP 18, RANGE 4, WEDGEWOOD, SECTION 1, LOT 8 |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 20 |
| Legal Subdivision | WEDGEWOOD SECTION 1 |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 110904 |
1916 Spruce Dr is owned and occupied by two individuals who acquired it in August 2003.
Source: Hamilton County records, as of March 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1916 SPRUCE DR, CARMEL, IN 46033-9243 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2003 |
| Deed Sale | Aug 26, 2003 |
| Deed Document Number | 200300086810 |
| Record Updated | Jun 8, 2026 |
Source: Hamilton County assessment roll, as of July 1, 2025
| 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 | $506,700 (+4.11%) Land $186,900 Building $319,800 | $506,700 (+4.11%) Land $186,900 Building $319,800 | |
| 2024 | $5,477.00 (+3.22%) | $486,700 (-) Land $186,900 Building $299,800 | $486,700 (-) Land $186,900 Building $299,800 |
| 2023 | $5,306.00 (-0.67%) Homeowner's exemption | $486,700 (+3.95%) Land $186,900 Building $299,800 | $486,700 (+3.95%) Land $186,900 Building $299,800 |
| 2022 | $5,342.00 Homeowner's exemption | $468,200 Land $129,000 Building $339,200 | $468,200 Land $129,000 Building $339,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1916 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 1916 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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