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1986 Spruce Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 1986 Spruce Dr, Carmel, IN 46033

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,361 sqft · built 1995
Lot Size1.33 acres (57,935 sqft)
OwnerTrust Name on File
Tax Bill$5,562 (2024)
Deeds & MortgagesFeb 2017 Transfer
Flood ZoneZone X (minimal risk)
APN29-10-20-405-021.000-018

Property Details

APN / Parcel Number

Primary APN29-10-20-405-021.000-018
Alternative APN
  • 1610200405021000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Plumbing Fixtures14 Plumbing Fixtures
Total Rooms8 Rooms
Stories1 Story
Building Area3,361 sqft Living Area
1st Floor Area3,361 sqft
Basement Area1,138 sqft
Family RoomFamily Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1995
Architectural StyleOther
Foundation TypeRaised
Roof MaterialAsphalt
Lot Area57,935 sqft (1.33 acres)
Garage TypeAttached
Garage Area875 sqft
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerConnected

Location & Zoning

Account Number1610200405021000
Street Address1986 SPRUCE DR
CityCARMEL
StateIN
Zip46033-9243
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionACREAGE 1.33, SECTION 20, TOWNSHIP 18, RANGE 4, WEDGEWOOD, SECTION 2, LOT 1
Legal Range04
Legal Township18
Legal Section20
Legal SubdivisionWEDGEWOOD
Legal Block2
Legal Lot Number1
JurisdictionHAMILTON IN
Township / Civil DivisionCLAY
Census Block Group3
Census Block3018
Census Tract110904

Owner

1986 Spruce Dr is owner-occupied and held in a trust since February 2017.

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

Owner of RecordTrust Name on File
Mailing Address1986 SPRUCE DR, CARMEL, IN 46033-9243
OccupancyOwner Occupied
Owner TypeIndividual
VestingTrust

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

Assessor's Deed Record

Deed NamesName on Deed
Last Transfer DateFeb 3, 2017
Transfer Doc0000005204
Record UpdatedJun 8, 2026

February 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHAMILTON IN
Recording DateFeb 3, 2017
Property Address1986 SPRUCE DR, CARMEL, IN 46033-9243
Document Number0000005204
Instrument DateJan 23, 2017
Instrument5204
Transaction TypeTransfer
Record UpdatedMar 1, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address1986 SPRUCE DR CARMEL IN 460339243, CARMEL, IN 46033-9243

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIndiana
CountyHamilton County
County SubdivisionClay Township
MunicipalityCarmel City
Unified School DistrictCarmel Clay Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$500,300 (+3.88%) Land $219,800 Building $280,500$500,300 (+3.88%) Land $219,800 Building $280,500
2024$5,562.00 (+2.92%)$481,600 (-) Land $219,800 Building $261,800$481,600 (-) Land $219,800 Building $261,800
2023$5,404.00 (+14.3%) Homeowner's exemption$481,600 (+19.09%) Land $219,800 Building $261,800$481,600 (+19.09%) Land $219,800 Building $261,800
2022$4,728.00 Homeowner's exemption$404,400 Land $151,700 Building $252,700$404,400 Land $151,700 Building $252,700

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

Flood

FEMA maps place 1986 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies2 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 1986 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 RiskNot 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 SystemCARMEL WATER DEPARTMENT
serves 99,927 people · EPA ID IN5229004
Water SourceGroundwater influenced by surface water
Last State InspectionAug 2024
Lead3 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2024
E. coli
resolved · Oct 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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