Hamilton County property record for 228 Stephen Ct, Carmel, IN 46280
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,325 sqft · built 1954 |
| Lot Size | 0.369 acres (16,117 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,243 (2024) |
| Deeds & Mortgages | Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-13-02-413-021.000-018 |
| Primary APN | 29-13-02-413-021.000-018 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,325 sqft Living Area |
| 1st Floor Area | 1,325 sqft |
| Year Built | Built 1954 |
|---|---|
| Architectural Style | Other |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 16,117 sqft (0.369 acres) |
| Lot Dimensions | 151 ft deep x 43 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1713020413021000 |
|---|---|
| Old Parcel Number | 291302413021000003 |
| Street Address | 228 STEPHEN CT |
| City | CARMEL |
| State | IN |
| Zip | 46280-1036 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .00, SECTION 2, TOWNSHIP 17, RANGE 3, MERIDIAN MEADOWS, LOT 8 |
| Legal Range | 03 |
| Legal Township | 17 |
| Legal Section | 02 |
| Legal Subdivision | MERIDIAN MEADOWS |
| Legal Lot Number | 8 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 111006 |
228 Stephen Ct is owned and occupied by an individual who acquired it in November 1995.
Source: Hamilton County records, as of March 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 228 STEPHEN CT, CARMEL, IN 46280-1036 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 16, 1995 |
| Deed Sale | Nov 16, 1995 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 228 STEPHEN CT, CARMEL, IN 46280-1036 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2019060450 |
|---|---|
| Date | Nov 27, 2019 |
| Instrument | 2019060450 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45249 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Rate | 3.75% |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Max Rate | 9.75% |
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 | $164,300 (+11.31%) Land $51,900 Building $112,400 | $164,300 (+11.31%) Land $51,900 Building $112,400 | |
| 2024 | $1,243.00 (+1.72%) | $147,600 (-0.61%) Land $51,900 Building $95,700 | $147,600 (-0.61%) Land $51,900 Building $95,700 |
| 2023 | $1,222.00 (-5.93%) | $148,500 (+4.95%) Land $51,900 Building $96,600 | $148,500 (+4.95%) Land $51,900 Building $96,600 |
| 2022 | $1,299.00 | $141,500 Land $51,900 Building $89,600 | $141,500 Land $51,900 Building $89,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 228 Stephen Ct in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1986.
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 | 7 in force |
| Nearby Flood Claims | 6 (1986–2011) |
| Claims Outside the SFHA | 5 of 6 |
| Most Recent Claim | Jun 2011 · rainfall accumulation |
| Claims by Event |
|
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 risk around 228 Stephen Ct is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 85% of Indiana |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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) |
|---|---|
| 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 |
May also be available: Metronet, Xfinity.
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