Hamilton County property record for 2040 E 109th St, Carmel, IN 46280
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,555 sqft · built 1964 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,926 (2024) |
| Deeds & Mortgages | Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-14-06-302-016.000-018 |
| Primary APN | 29-14-06-302-016.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,555 sqft Living Area |
| 1st Floor Area | 1,589 sqft |
| 2nd Floor Area | 966 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Other |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 22,216 sqft (0.51 acres) |
| Lot Dimensions | 150 ft deep x 104 ft wide |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 1714060302016000 |
|---|---|
| Street Address | 2040 E 109TH ST |
| City | CARMEL |
| State | IN |
| Zip | 46280-1209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .00, SECTION 6, TOWNSHIP 17, RANGE 4, WOODLAND 5TH, SECTION 5, LOT 13 |
| Legal Range | 04 |
| Legal Township | 17 |
| Legal Section | 06 |
| Legal Subdivision | CLAY WOODLAND |
| Legal Block | 5 |
| Legal Lot Number | 13 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 111006 |
Source: Hamilton County assessment roll, as of July 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2040 E 109TH ST, CARMEL, IN 46280-1209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 2, 2014 |
| Deed Sale | May 2, 2014 |
| Deed Document Number | 2014016084 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 2040 E 109TH ST, CARMEL, IN 46280-1209 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2018051580 |
|---|---|
| Date | Nov 1, 2018 |
| Instrument | 2018051580 |
| Name | ELEMENTS FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Address | INDIANAPOLIS, IN 46202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 88 Months |
| Due | Mar 1, 2026 |
Source: Hamilton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Clay Township |
| Municipality | Carmel City |
| Unified School District | Carmel Clay Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $323,500 (+14.76%) Land $84,100 Building $239,400 | $323,500 (+14.76%) Land $84,100 Building $239,400 | |
| 2024 | $2,926.00 (+11.81%) | $281,900 (+6.62%) Land $84,100 Building $197,800 | $281,900 (+6.62%) Land $84,100 Building $197,800 |
| 2023 | $2,617.00 (-2.86%) | $264,400 (+7.48%) Land $66,600 Building $197,800 | $264,400 (+7.48%) Land $66,600 Building $197,800 |
| 2022 | $2,694.00 | $246,000 Land $66,600 Building $179,400 | $246,000 Land $66,600 Building $179,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 73% of Indiana |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
May also be available: T-Mobile USA, Verizon.
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