230 1st St NE, Carmel, IN 46032 Property Records

Hamilton County property record for 230 1st St NE, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,171 sqft · built 1965
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on File
Tax Bill	$9,065 (2024)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-10-30-904-015.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-30-904-015.000-018`
Alternative APN	`1610300904015000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,171 sqft Living Area
1st Floor Area	1,221 sqft
Basement Area	1,221 sqft
Finished Basement	950 sqft
Game Room	Game Room

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2010
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Asphalt
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	128 ft deep x 73 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1610300904015000
Street Address	230 1ST ST NE
City	CARMEL
State	IN
Zip	46032-1804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 30, TOWNSHIP 18, RANGE 4, CAREY ADDITION, LOT 4
Legal Range	04
Legal Township	18
Legal Section	30
Legal Subdivision	CARMEL CAREY ADD
Legal Lot Number	4
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1041
Census Tract	110905

Owner

230 1st St NE is owned by an individual who acquired it in February 2021.

Source: Hamilton County records, as of March 4, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1134 CLAIRBORNE CT, CARMEL, IN 46280-1100
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2021	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jan 3, 2020	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2021
Deed Sale	Feb 1, 2021
Prior Sale	Jan 3, 2020
Deed Document Number	2021007849
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Feb 1, 2021
Property Address	230 1ST ST NE, CARMEL, IN 46032-1804
Document Number	2021007849
Map Reference	MB 97 PG 18
Instrument Date	Jan 21, 2021
Instrument	2021007849
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1134 CLAIRBORNE CT # CN, CN, CARMEL, IN 46280-1100

Mortgage

Document Number	2021007850
Date	Feb 1, 2021
Instrument	2021007850

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jan 3, 2020
Property Address	230 1ST ST NE, CARMEL, IN 46032-1804
Document Number	2020000422
Map Reference	MB 97 PG 18
Instrument Date	Dec 21, 2019
Instrument	2020000422
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	TITLE LINKS LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 1ST AVE NE, CARMEL, IN 46032-1324

Mortgage

Document Number	2020000423
Date	Jan 3, 2020
Instrument	2020000423

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

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		$537,000 (+18.33%) Land $181,700 Building $355,300	$537,000 (+18.33%) Land $181,700 Building $355,300
2024	$9,065.00 (+12.02%)	$453,800 (+13.05%) Land $181,700 Building $272,100	$453,800 (+13.05%) Land $181,700 Building $272,100
2023	$8,092.00 (+28.94%)	$401,400 (+31.91%) Land $129,300 Building $272,100	$401,400 (+31.91%) Land $129,300 Building $272,100
2022	$6,276.00	$304,300 Land $129,300 Building $175,000	$304,300 Land $129,300 Building $175,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 230 1st St NE in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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	5 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2013 · other causes

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

The area around 230 1st St NE has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
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

May also be available: Xfinity.

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