1969 Spruce Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 1969 Spruce Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,696 sqft · built 1987
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Last Sale	$470,000 (May 2021)
Tax Bill	$5,442 (2024)
Deeds & Mortgages	May 2021 Sale & Mortgage Sep 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-10-20-404-010.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-20-404-010.000-018`
Alternative APN	`1610200404010000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,696 sqft Living Area
1st Floor Area	1,524 sqft
2nd Floor Area	1,172 sqft
Basement Area	586 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	145 ft deep x 97 ft wide
Garage Type	Attached
Garage Area	534 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1610200404010000
Street Address	1969 SPRUCE DR
City	CARMEL
State	IN
Zip	46033-9245
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .35, SECTION 20, TOWNSHIP 18, RANGE 4, SMOKEY KNOLL, LOT 39
Legal Range	04
Legal Township	18
Legal Section	20
Legal Subdivision	SMOKEY KNOLL
Legal Block	1
Legal Lot Number	39
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2006
Census Tract	110904

Owner

1969 Spruce Dr is owned and occupied by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1969 SPRUCE DR, CARMEL, IN 46033-9245
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
May 6, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Sep 22, 2020	Deed of Trust, Mortgage · Line of Credit ELEMENTS FINANCIAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2021 · Amount on File
Deed Sale	May 6, 2021 · Amount on File
Prior Sale	Mar 18, 2011 · Amount on File
Deed Document Number	0000034371
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	May 6, 2021
Property Address	1969 SPRUCE DR, CARMEL, IN 46033-9245
Document Number	0000034371
Map Reference	MB 13 PG 116-118
Instrument Date	May 6, 2021
Instrument	2021034371
Transaction Type	Transfer
Record Updated	Jun 9, 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1969 SPRUCE DR, CARMEL, IN 46033-9245

Mortgage

Document Number	0000034372
Date	May 6, 2021
Instrument	2021034372

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1969 SPRUCE DR, CARMEL, IN 46033-9245
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065773
Date	Sep 22, 2020
Instrument	2020065773

Lender

Name	ELEMENTS FINANCIAL FCU
Type	Credit Union
Address	INDIANAPOLIS, IN 46202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 15, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$537,900 (+11.16%) Land $127,900 Building $410,000	$537,900 (+11.16%) Land $127,900 Building $410,000
2024	$5,442.00 (+17.79%)	$483,900 (+12.53%) Land $127,900 Building $356,000	$483,900 (+12.53%) Land $127,900 Building $356,000
2023	$4,620.00 (+11.43%) Homeowner's exemption	$430,000 (+17.68%) Land $102,200 Building $327,800	$430,000 (+17.68%) Land $102,200 Building $327,800
2022	$4,146.00 Homeowner's exemption	$365,400 Land $102,200 Building $263,200	$365,400 Land $102,200 Building $263,200

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

Flood

FEMA maps place 1969 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	1 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 1969 Spruce 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 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

Nearby Properties on Spruce Dr

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