20 Circle Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 20 Circle Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,924 sqft · built 1955
Lot Size	0.85 acres (37,026 sqft)
Owner	2 Individual Names on Record
Last Sale	$137,000 (Nov 2017)
Tax Bill	$3,426 (2024)
Deeds & Mortgages	Jul 2021 Line of Credit Apr 2019 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-24-403-001.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-24-403-001.000-018`
Alternative APN	`1609240403001000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,924 sqft Living Area
1st Floor Area	2,924 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1977
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	37,026 sqft (0.85 acres)
Lot Dimensions	256 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	121 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1609240403001000
Street Address	20 CIRCLE DR
City	CARMEL
State	IN
Zip	46032-1356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 24, TOWNSHIP 18, RANGE 3, WALTER'S ROLLING ACRES, LOT 17, IRREGULAR SHAPE
Legal Range	03
Legal Township	18
Legal Section	24
Legal Subdivision	WALTERS ROLLING ACRES ADD
Legal Lot Number	17
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1004
Census Tract	110906

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	2 Individual Names on Record
Mailing Address	20 CIRCLE DR, CARMEL, IN 46032-1356
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Apr 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK OF INDIANA
Nov 13, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage MJW FINANCIAL LLC
Nov 15, 2017	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Oct 25, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Aug 14, 2017	Warranty Deed, Transfer KING FUND 1 LLC
May 30, 2017	Grant Deed, Transfer US TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2017 · Amount on Record
Deed Sale	Nov 15, 2017 · Amount on Record
Prior Sale	Oct 25, 2017 · Amount on Record
Deed Document Number	2017056575
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	20 CIRCLE DR, CARMEL, IN 46032-1356
Transaction Type	Mortgage
Record Updated	Jun 9, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048251
Date	Jul 1, 2021
Instrument	2021048251

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 9, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	20 CIRCLE DR, CARMEL, IN 46032-1356
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019016948
Date	Apr 29, 2019
Instrument	2019016948

Lender

Name	MERCHANTS BANK OF INDIANA
Type	Bank
Address	CARMEL, IN 46032

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	20 CIRCLE DR, CARMEL, IN 46032-1356
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018053367
Date	Nov 13, 2018
Instrument	2018053367

Lender

Name	PNC BANK NA
Type	Bank
Address	BRECKSVILLE, OH 44141

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 31, 2058

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	20 CIRCLE DR, CARMEL, IN 46032-1356
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020024748
Date	Apr 30, 2020
Instrument	2020024748

Lender

Name	MJW FINANCIAL LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Nov 15, 2017
Property Address	20 CIRCLE DR, CARMEL, IN 46032-1356
Document Number	0000056575
Instrument Date	Oct 27, 2017
Instrument	56575
Transaction Type	Transfer
Record Updated	Dec 10, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12404 AUTUMN GATE WAY CARMEL IN 460338284, CARMEL, IN 46033-8284

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 25, 2017
Property Address	20 CIRCLE DR, CARMEL, IN 46032-1356
Document Number	0000052965
Instrument Date	Oct 10, 2017
Instrument	52965
Transaction Type	Transfer
Record Updated	Dec 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 44218 DENVER CO 802014218, DENVER, CO 80201-4218

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 14, 2017
Property Address	20 CIRCLE DR, CARMEL, IN 46032-1356
Document Number	0000039517
Instrument Date	Aug 9, 2017
Instrument	39517
Transaction Type	Transfer
Record Updated	Dec 10, 2020
Title Company	US TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CIRCLE DR CARMEL IN 460321356, CARMEL, IN 46032-1356

Mortgage

Document Number	39518
Date	Aug 14, 2017
Instrument	39518

Lender

Name	KING FUND 1 LLC
Address	DENVER, CO 80201

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Aug 13, 2022

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HAMILTON IN
Recording Date	May 30, 2017
Property Address	20 CIRCLE DR, CARMEL, IN 46032-1356
Document Number	0000024335
Instrument Date	May 24, 2017
Instrument	24335
Transaction Type	Transfer
Record Updated	Dec 10, 2020
Title Company	US TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 44218 DENVER CO 802014218, DENVER, CO 80201-4218

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		$359,100 (+11.38%) Land $68,200 Building $290,900	$359,100 (+11.38%) Land $68,200 Building $290,900
2024	$3,426.00 (+57.37%)	$322,400 (+41.78%) Land $68,200 Building $254,200	$322,400 (+41.78%) Land $68,200 Building $254,200
2023	$2,177.00 (-8.53%)	$227,400 (+2.39%) Land $68,200 Building $159,200	$227,400 (+2.39%) Land $68,200 Building $159,200
2022	$2,380.00	$222,100 Land $59,800 Building $162,300	$222,100 Land $59,800 Building $162,300

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	1 (1978)
Most Recent Claim	Jun 1978 · tidal / storm surge

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
On-Ramp Indiana Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Metronet, Xfinity.

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