Hamilton County property record for 2045 E 109th St, Carmel, IN 46280 · Last verified March 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,589 sqft · built 1973 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | Owner Name on File |
| Tax Bill | $2,441 (2024) |
| Deeds & Mortgages | Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-14-06-303-008.000-018 |
| Primary APN | 29-14-06-303-008.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,589 sqft Living Area |
| 1st Floor Area | 1,589 sqft |
| Basement Area | 1,509 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick/Stone |
| Construction Type | Wood |
| Roof Material | Asphalt |
| Lot Area | 20,909 sqft (0.48 acres) |
| Lot Dimensions | 150 ft deep x 104 ft wide |
| Garage Type | Attached |
| Garage Area | 581 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 1714060303008000 |
|---|---|
| Street Address | 2045 E 109TH ST |
| City | CARMEL |
| State | IN |
| Zip | 46280-1208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .00, SECTION 6, TOWNSHIP 17, RANGE 4, WOODLAND 5TH, SECTION 5, LOT 21, IRREGULAR SHAPE |
| Legal Range | 04 |
| Legal Township | 17 |
| Legal Section | 06 |
| Legal Subdivision | CLAY WOODLAND |
| Legal Block | 5 |
| Legal Lot Number | 21 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 111006 |
Source: Hamilton County records · APN 29-14-06-303-008.000-018
Assessment roll updated July 1, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 2045 E 109TH ST, CARMEL, IN 46280-1208 |
| Occupancy | Owner Occupied |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 23, 2005 |
| Deed Sale | Aug 23, 2005 |
| Deed Document Number | 0000054869 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 2045 E 109TH ST, CARMEL, IN 46280-1208 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017003995 |
|---|---|
| Date | Jan 27, 2017 |
| Instrument | 2017003995 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | TAMPA, FL 33607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 01, 2037 |
Source: Hamilton County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Clay Township |
| Municipality | Carmel City |
| Unified School District | Carmel Clay Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $291,400 (+19.87%) Land $83,600 Building $207,800 | $291,400 (+19.87%) Land $83,600 Building $207,800 | |
| 2024 | $2,441.00 (+6.04%) | $243,100 (+2.19%) Land $83,600 Building $159,500 | $243,100 (+2.19%) Land $83,600 Building $159,500 |
| 2023 | $2,302.00 (+0.09%) | $237,900 (+7.74%) Land $66,200 Building $171,700 | $237,900 (+7.74%) Land $66,200 Building $171,700 |
| 2022 | $2,300.00 | $220,800 Land $66,200 Building $154,600 | $220,800 Land $66,200 Building $154,600 |
Source: FEMA National Flood Hazard Layer, Hamilton County (18057C), updated October 5, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 180571110061, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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 |
| Wildfire Risk | Low above 4% of the US · above 27% of Indiana |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 217 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Metronet Holdings | Fiber | 5,120 / 5,120 |
| Spectrum | Cable | 1,000 / 1,000 |
| AT&T | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: Verizon, T-Mobile USA, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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