1964 E 109th St, Carmel (Indianapolis), IN 46280 Property Records

Hamilton County property record for 1964 E 109th St, Carmel, IN 46280

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,776 sqft · built 1964
Lot Size	0.5 acres (21,780 sqft)
Owner	Trust Name on Record
Tax Bill	$1,966 (2024)
Deeds & Mortgages	Apr 2025 Line of Credit Apr 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`29-14-06-302-023.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-14-06-302-023.000-018`
Alternative APN	`1714060302023000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,776 sqft Living Area
1st Floor Area	1,336 sqft
2nd Floor Area	840 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Architectural Style	Other
Exterior Material	Brick/Stone
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	150 ft deep x 144 ft wide
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1714060302023000
Street Address	1964 E 109TH ST
City	CARMEL
State	IN
Zip	46280-1207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 6, TOWNSHIP 17, RANGE 4, WOODLAND 5TH, SECTION 5, LOT 6
Legal Range	04
Legal Township	17
Legal Section	06
Legal Subdivision	CLAY WOODLAND
Legal Block	5
Legal Lot Number	6
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1005
Census Tract	111006

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Trust Name on Record
Mailing Address	1964 E 109TH ST, CARMEL, IN 46280-1207
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2025	Deed of Trust, Mortgage · Line of Credit INDIANA MEMBERS CU
Apr 4, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Nov 7, 2007
Last Transfer Date	Apr 4, 2019
Transfer Doc	0000012824
Record Updated	Jun 8, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1964 E 109TH ST, CARMEL, IN 46280-1207
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014871
Date	Apr 21, 2025
Instrument	2025014871

Lender

Name	INDIANA MEMBERS CU
Type	Credit Union
Address	INDIANAPOLIS, IN 46240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON IN
Recording Date	Apr 4, 2019
Property Address	1964 E 109TH ST, CARMEL, IN 46280-1207
Document Number	0000012824
Instrument Date	Apr 3, 2019
Instrument	12824
Transaction Type	Transfer
Record Updated	Apr 19, 2019
Title Company	ATTORNEY ONLY

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	1964 E 109TH ST INDIANAPOLIS IN 462801207, INDIANAPOLIS, IN 46280-1207

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		$233,100 (+13.71%) Land $83,800 Building $149,300	$233,100 (+13.71%) Land $83,800 Building $149,300
2024	$1,966.00 (+16.47%)	$205,000 (+9.28%) Land $83,800 Building $121,200	$205,000 (+9.28%) Land $83,800 Building $121,200
2023	$1,688.00 (+0.06%)	$187,600 (+6.89%) Land $66,400 Building $121,200	$187,600 (+6.89%) Land $66,400 Building $121,200
2022	$1,687.00	$175,500 Land $66,400 Building $109,100	$175,500 Land $66,400 Building $109,100

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	3 in force
Nearby Flood Claims	5 (1978–2017)
Claims Outside the SFHA	2 of 5
Most Recent Claim	May 2017 · river or lake flooding

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	Low lower than 94% of the US · lower than 63% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Metronet, T-Mobile.

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