194 Carmelaire Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 194 Carmelaire Dr, Carmel, IN 46032

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,491 sqft · built 1976
Lot Size	0.044 acres (1,920 sqft)
Owner	Individual Name on File
Tax Bill	$2,264 (2024)
Deeds & Mortgages	Apr 2020 Mortgage Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-10-30-313-023.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-30-313-023.000-018`
Alternative APN	`1610300313023000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,491 sqft Living Area
1st Floor Area	735 sqft
2nd Floor Area	756 sqft
Basement Area	735 sqft

Exterior

Year Built	Built 1976
Architectural Style	Row End or Row Middle
Roof Material	Asphalt
Lot Area	1,920 sqft (0.044 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
Sewer	Connected

Location & Zoning

Account Number	1610300313023000
Street Address	194 CARMELAIRE DR
City	CARMEL
State	IN
Zip	46032-2159
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	ACREAGE .00, SECTION 30, TOWNSHIP 18, RANGE 4, CARMELAIRE, LOT 76
Legal Range	04
Legal Township	18
Legal Section	30
Legal Subdivision	CARMELAIRE
Legal Lot Number	76
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1004
Census Tract	111007

Owner

194 Carmelaire Dr, a condominium, is owned and occupied by an individual.

Source: Hamilton County records, as of March 4, 2026

Owner of Record	Individual Name on File
Mailing Address	194 CARMELAIRE DR, CARMEL, IN 46032-2159
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 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO
Aug 15, 2018	Deed of Trust, Mortgage · Line of Credit HORIZON BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	194 CARMELAIRE DR, CARMEL, IN 46032-2159
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018326
Date	Apr 6, 2020
Instrument	2020018326

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2035

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	194 CARMELAIRE DR, CARMEL, IN 46032-2159
Document Number	0000045535
Instrument Date	Aug 15, 2018
Transaction Type	Mortgage
Record Updated	Oct 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 CARMELAIRE DR CARMEL IN 460322159, CARMEL, IN 46032-2159

Mortgage

Document Number	0000045535
Date	Oct 1, 2018
Instrument	45535

Lender

Name	HORIZON BK
Type	Bank
Address	INDIANAPOLIS, IN 46204

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 30, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of July 1, 2025

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		$256,100 (+11.64%) Land $84,000 Building $172,100	$256,100 (+11.64%) Land $84,000 Building $172,100
2024	$2,264.00 (+9.48%)	$229,400 (+4.75%) Land $84,000 Building $145,400	$229,400 (+4.75%) Land $84,000 Building $145,400
2023	$2,068.00 (+9.53%)	$219,000 (+14.96%) Land $57,200 Building $161,800	$219,000 (+14.96%) Land $57,200 Building $161,800
2022	$1,888.00	$190,500 Land $57,200 Building $133,300	$190,500 Land $57,200 Building $133,300

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

Flood

FEMA maps place 194 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 194 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.

Nearby Properties on Carmelaire Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures