1938 Spruce Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 1938 Spruce Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 5,134 sqft · built 1990
Lot Size	0.54 acres (23,522 sqft)
Owner	Company Name on Record
Last Sale	$617,500 (Sep 2021)
Tax Bill	$6,785 (2024)
Deeds & Mortgages	Oct 2021 Transfer Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-20-406-004.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-20-406-004.000-018`
Alternative APN	`1610200406004000`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	26 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	5,134 sqft Living Area
Gross Area	7,052 sqft
1st Floor Area	5,564 sqft
2nd Floor Area	1,447 sqft
Basement Area	1,718 sqft
Finished Basement	1,288 sqft
Unfinished Basement	430 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Brick
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	23,522 sqft (0.54 acres)
Garage Type	Attached
Garage Area	1,488 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1938 SPRUCE DR
City	CARMEL
State	IN
Zip	46033-9243
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .54, SECTION 20, TOWNSHIP 18, RANGE 4, WEDGEWOOD, SECTION 1, LOT 6
Legal Range	04
Legal Township	18
Legal Section	20
Legal Subdivision	WEDGEWOOD SECTION 1
Legal Block	1
Legal Lot Number	6
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3018
Census Tract	110904

Owner

Source: Hamilton County records, as of March 16, 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	Company Name on Record
Mailing Address	1938 SPRUCE DR, CARMEL, IN 46033-9243
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Intrafamily Transfer, Transfer
Sep 28, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage TJC MORTGAGE INC
Oct 22, 2020	Grant Deed, Transfer ATTORNEY ONLY
Oct 22, 2020	Deed, Transfer · Conventional Mortgage UNITED SAVINGS BANK
Mar 23, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2021 · Amount on Record
Deed Sale	Sep 28, 2021 · Amount on Record
Prior Sale	Oct 22, 2020 · Amount on Record
Deed Document Number	202170460
Prior Transfer Date	Oct 21, 2020
Prior Transfer Doc	0000076242
Record Updated	Oct 29, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON IN
Recording Date	Oct 15, 2021
Property Address	1938 SPRUCE DR, CARMEL, IN 46033-9243
Document Number	0000075121
Map Reference	MB 14 PG 8
Instrument Date	Oct 15, 2021
Instrument	2021075121
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1938 SPRUCE DR, CARMEL, IN 46033-9243

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON IN
Recording Date	Sep 28, 2021
Property Address	1938 SPRUCE DR, CARMEL, IN 46033-9243
Document Number	0000070460
Map Reference	MB 14 PG 8
Instrument Date	Sep 27, 2021
Instrument	2021070460
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	NOT AVAILABLE, ASSOCIATES TITLE AGENCY INC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1938 SPRUCE DR, CARMEL, IN 46033-9243

Mortgage

Document Number	0000070461
Date	Sep 28, 2021
Instrument	2021070461

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 22, 2020
Property Address	1938 SPRUCE DR, CARMEL, IN 46033-9243
Document Number	0000076242
Instrument Date	Oct 8, 2020
Instrument	76242
Transaction Type	Transfer
Record Updated	Nov 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1938 SPRUCE DR CARMEL IN 460339243, CARMEL, IN 46033-9243

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 22, 2020
Property Address	1938 SPRUCE DR, CARMEL, IN 46033-9243
Document Number	2020075957
Map Reference	MB 14 PG 8
Instrument Date	Oct 8, 2020
Instrument	2020075957
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1938 SPRUCE DR, CARMEL, IN 46033-9243

Mortgage

Document Number	2020075958
Date	Oct 22, 2020
Instrument	2020075958

Lender

Name	UNITED SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Change Frequency	2 Years

Mortgage

Document Number	0000075959
Date	Oct 22, 2020
Instrument	2020075959

Lender

Name	UNITED SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1938 SPRUCE DR, CARMEL, IN 46033-9243
Document Number	0000018005
Instrument Date	Mar 23, 2019
Transaction Type	Mortgage
Record Updated	May 22, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1938 SPRUCE DR CARMEL IN 460339243, CARMEL, IN 46033-9243

Mortgage

Document Number	0000018005
Date	May 3, 2019
Instrument	18005

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 2, 2049

Interest

Rate Type	Adjustable Rate

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		$625,300 (+4.86%) Land $172,300 Building $453,000	$625,300 (+4.86%) Land $172,300 Building $453,000
2024	$6,785.00 (+2.31%)	$596,300 (-) Land $172,300 Building $424,000	$596,300 (-) Land $172,300 Building $424,000
2023	$6,632.00 (-1.04%) Homeowner's exemption	$596,300 (+1.67%) Land $172,300 Building $424,000	$596,300 (+1.67%) Land $172,300 Building $424,000
2022	$6,702.00 Homeowner's exemption	$586,500 Land $118,900 Building $467,600	$586,500 Land $118,900 Building $467,600

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	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

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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