2295 Chartwell St, Carmel, IN 46032 Property Records

Hamilton County property record for 2295 Chartwell St, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,677 sqft · built 2006
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Tax Bill	$8,453 (2024)
Deeds & Mortgages	Sep 2021 Line of Credit Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-09-28-041-030.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-28-041-030.000-018`
Alternative APN	`1709280041030000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	4,677 sqft Living Area
1st Floor Area	2,029 sqft
2nd Floor Area	2,648 sqft
Basement Area	1,869 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Architectural Style	Other
Roof Material	Asphalt
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Attached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709280041030000
Street Address	2295 CHARTWELL ST
City	CARMEL
State	IN
Zip	46032-8384
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .17, SECTION 28, TOWNSHIP 18, RANGE 3, VILLAGE OF WESTCLAY, SECTION 5003, LOT 528
Legal Range	03
Legal Township	18
Legal Section	28
Legal Subdivision	VILLAGE OF WEST CLAY
Legal Block	5003
Legal Lot Number	528
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1017
Census Tract	111009

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	Individual Name on Record
Mailing Address	2295 CHARTWELL ST, CARMEL, IN 46032-8384
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2021	Deed of Trust, Mortgage · Line of Credit FIRST MERCHANTS BANK
Aug 9, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage ROYAL UNITED MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 9, 2017
Transfer Doc	2017038664
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	2295 CHARTWELL ST, CARMEL, IN 46032-8384
Transaction Type	Mortgage
Record Updated	Oct 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2295 CHARTWELL ST, CARMEL, IN 46032-8384

Mortgage

Document Number	2021065564
Date	Sep 8, 2021
Instrument	2021065564

Lender

Name	FIRST MERCHANTS BANK
Type	Bank
Address	CARMEL, IN 46032

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 27, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON IN
Recording Date	Aug 9, 2017
Property Address	2295 CHARTWELL ST, CARMEL, IN 46032-8384
Document Number	2017038664
Map Reference	DOC200400050697
Instrument Date	Jul 27, 2017
Instrument	2017038664
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2295 CHARTWELL ST, CARMEL, IN 46032-8384

Mortgage

Document Number	2017038665
Date	Aug 9, 2017
Instrument	2017038665

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2032

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		$822,000 (+11.17%) Land $186,000 Building $636,000	$822,000 (+11.17%) Land $186,000 Building $636,000
2024	$8,453.00 (-1.65%)	$739,400 (-0.11%) Land $186,000 Building $553,400	$739,400 (-0.11%) Land $186,000 Building $553,400
2023	$8,595.00 (+12.82%) Homeowner's exemption	$740,200 (+13.6%) Land $93,800 Building $646,400	$740,200 (+13.6%) Land $93,800 Building $646,400
2022	$7,618.00 Homeowner's exemption	$651,600 Land $93,800 Building $557,800	$651,600 Land $93,800 Building $557,800

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not 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 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 408 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

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