Hamilton County property record for 2431 Derek Dr, Carmel, IN 46032
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 4,857 sqft · built 1999 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Individual Name on File |
| Last Sale | $480,000 (Apr 2017) |
| Tax Bill | $7,147 (2024) |
| Deeds & Mortgages | Dec 2021 Mortgage Apr 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-09-32-004-010.000-018 |
| Primary APN | 29-09-32-004-010.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 4,857 sqft Living Area |
| 1st Floor Area | 2,062 sqft |
| 2nd Floor Area | 1,764 sqft |
| Attic | Attic |
| Attic Area | 506 sqft |
| Basement Area | 2,062 sqft |
| Finished Basement | 1,031 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Architectural Style | Other |
| Roof Material | Asphalt |
| Lot Area | 19,602 sqft (0.45 acres) |
| Lot Dimensions | 165 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 748 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1709320004010000 |
|---|---|
| Street Address | 2431 DEREK DR |
| City | CARMEL |
| State | IN |
| Zip | 46032-8907 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .45, SECTION 32, TOWNSHIP 18, RANGE 3, LAUREL LAKES, SECTION 3, LOT 30 |
| Legal Range | 03 |
| Legal Township | 18 |
| Legal Section | 32 |
| Legal Subdivision | LAUREL LAKES |
| Legal Block | 3 |
| Legal Lot Number | 30 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2045 |
| Census Tract | 111010 |
2431 Derek Dr is owned and occupied by an individual who bought it in April 2017.
Source: Hamilton County records, as of March 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2431 DEREK DR, CARMEL, IN 46032-8907 |
| 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.
| Date | Document |
|---|---|
| Dec 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Apr 19, 2017 | Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 19, 2017 · Amount on File |
| Deed Sale | Apr 19, 2017 · Amount on File |
| Prior Sale | Jun 3, 2011 |
| Deed Document Number | 2017016884 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 2431 DEREK DR, CARMEL, IN 46032-8907 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2023 |
| Title Company | NOT AVAILABLE, NTC |
| Name | Verified Name |
|---|
| Document Number | 0000090442 |
|---|---|
| Date | Dec 20, 2021 |
| Instrument | 2021090442 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Apr 19, 2017 |
| Property Address | 2431 DEREK DR, CARMEL, IN 46032-8907 |
| Document Number | 0000016884 |
| Map Reference | CAB 2 SL256 |
| Instrument Date | Apr 13, 2017 |
| Instrument | 2017016884 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 2431 DEREK DR, CARMEL, IN 46032-8907 |
| Document Number | 0000016885 |
|---|---|
| Date | Apr 19, 2017 |
| Instrument | 2017016885 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2032 |
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 | $688,900 (+10.81%) Land $185,200 Building $503,700 | $688,900 (+10.81%) Land $185,200 Building $503,700 | |
| 2024 | $7,147.00 (+3%) | $621,700 (-) Land $185,200 Building $436,500 | $621,700 (-) Land $185,200 Building $436,500 |
| 2023 | $6,939.00 (+10.63%) Homeowner's exemption | $621,700 (+13.3%) Land $185,200 Building $436,500 | $621,700 (+13.3%) Land $185,200 Building $436,500 |
| 2022 | $6,272.00 Homeowner's exemption | $548,700 Land $115,900 Building $432,800 | $548,700 Land $115,900 Building $432,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2431 Derek Dr in Zone X, an area of minimal flood risk.
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 |
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.
The area around 2431 Derek Dr 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.
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 372 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| 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 |
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