1970 E 109th St, Carmel (Indianapolis), IN 46280 Property Records

Hamilton County property record for 1970 E 109th St, Carmel, IN 46280

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,206 sqft · built 1962
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Nov 2024)
Tax Bill	$2,756 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-14-06-302-022.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-14-06-302-022.000-018`
Alternative APN	`1714060302022000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,206 sqft Living Area
1st Floor Area	2,206 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	150 ft deep x 145 ft wide
Garage Type	Mixed
Garage Area	858 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1714060302022000
Street Address	1970 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 7
Legal Range	04
Legal Township	17
Legal Section	06
Legal Subdivision	WOODLAND FIFTH SECTION
Legal Block	5
Legal Lot Number	7
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1970 E 109TH ST, CARMEL, IN 46280-1207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 25, 2024	Warranty Deed, Transfer CENTURION LAND TITLE INC
Feb 15, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2024 · Amount on Record
Deed Sale	Nov 25, 2024 · Amount on Record
Prior Sale	Feb 27, 2001
Deed Document Number	2024045269
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1970 E 109TH ST, CARMEL, IN 46280-1207
Transaction Type	Mortgage
Record Updated	Mar 5, 2026
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057298
Date	Aug 5, 2021
Instrument	2021057298

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Nov 25, 2024
Property Address	1970 E 109TH ST, CARMEL, IN 46280-1207
Document Number	0000045269
Map Reference	MB 52 PG 273-275
Instrument Date	Nov 21, 2024
Instrument	2024045269
Transaction Type	Transfer
Record Updated	Mar 5, 2026
Title Company	CENTURION LAND TITLE INC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1970 E 109TH ST, CARMEL, IN 46280-1207

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1970 E 109TH ST, CARMEL, IN 46280-1207
Document Number	0000007239
Instrument Date	Feb 15, 2017
Transaction Type	Mortgage
Record Updated	Mar 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1970 E 109TH ST INDIANAPOLIS IN 462801207, INDIANAPOLIS, IN 46280-1207

Mortgage

Document Number	0000007239
Date	Feb 21, 2017
Instrument	7239

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2047

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		$324,700 (+21.02%) Land $83,800 Building $240,900	$324,700 (+21.02%) Land $83,800 Building $240,900
2024	$2,756.00 (+8.46%)	$268,300 (+6.94%) Land $83,800 Building $184,500	$268,300 (+6.94%) Land $83,800 Building $184,500
2023	$2,541.00 (-3.93%)	$250,900 (+4.06%) Land $66,400 Building $184,500	$250,900 (+4.06%) Land $66,400 Building $184,500
2022	$2,645.00	$241,100 Land $66,400 Building $174,700	$241,100 Land $66,400 Building $174,700

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	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 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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