2509 E 99th St, Carmel (Indianapolis), IN 46280 Property Records

Hamilton County property record for 2509 E 99th St, Carmel, IN 46280

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,275 sqft · built 1961
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Dec 2024)
Tax Bill	$2,520 (2024)
Deeds & Mortgages	May 2022 Mortgage May 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-14-07-401-002.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-14-07-401-002.000-018`
Alternative APN	`1714070401002000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,275 sqft Living Area
1st Floor Area	1,275 sqft
Family Room	Family Room

Exterior

Year Built	Built 1961
Architectural Style	Other
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	215 ft deep x 128 ft wide
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1714070401002000
Street Address	2509 E 99TH ST
City	CARMEL
State	IN
Zip	46280-1761
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 7, TOWNSHIP 17, RANGE 4, LAKEWOOD GARDENS, SECTION 1, LOT 7, IRREGULAR SHAPE
Legal Range	04
Legal Township	17
Legal Section	07
Legal Subdivision	CLAY LAKEWOOD GD
Legal Block	1
Legal Lot Number	7
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1012
Census Tract	111104

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	2509 E 99TH ST, CARMEL, IN 46280-1761
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2022	Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK
May 13, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Dec 11, 2024	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Dec 20, 2024	Warranty Deed, Transfer
Jul 31, 2018	Deed of Trust, Mortgage · Line of Credit REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2024 · Amount on Record
Deed Sale	Dec 20, 2024 · Amount on Record
Prior Sale	May 27, 2011 · Amount on Record
Deed Document Number	2024049192
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	2509 E 99TH ST, CARMEL, IN 46280-1761
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2509 E 99TH ST, CARMEL, IN 46280-1761

Mortgage

Document Number	0000024067
Date	May 13, 2022
Instrument	2022024067

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	84 Months
Due	May 1, 2029

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	2509 E 99TH ST, CARMEL, IN 46280-1761
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2509 E 99TH ST, CARMEL, IN 46280-1761

Mortgage

Document Number	0000024066
Date	May 13, 2022
Instrument	2022024066

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 24, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	2509 E 99TH ST, CARMEL, IN 46280-1761
Transaction Type	Mortgage
Record Updated	Mar 5, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2509 E 99TH ST, CARMEL, IN 46280-1761

Mortgage

Document Number	0000047753
Date	Dec 11, 2024
Instrument	2024047753

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	9.25%
Index	1-Year CMT
Max Rate	13.2%

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Dec 20, 2024
Property Address	2509 E 99TH ST, CARMEL, IN 46280-1761
Document Number	0000049192
Map Reference	MB 2 PG 122&123
Instrument Date	Dec 19, 2024
Instrument	2024049192
Transaction Type	Transfer
Record Updated	Mar 5, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2509 E 99TH ST, CARMEL, IN 46280-1761

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	2509 E 99TH ST, CARMEL, IN 46280-1761
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018034765
Date	Jul 31, 2018
Instrument	2018034765

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$268,800 (+7.56%) Land $108,300 Building $160,500	$268,800 (+7.56%) Land $108,300 Building $160,500
2024	$2,520.00 (-2.21%)	$249,900 (-3.81%) Land $108,300 Building $141,600	$249,900 (-3.81%) Land $108,300 Building $141,600
2023	$2,577.00 (+15.82%)	$259,800 (+23.42%) Land $108,300 Building $151,500	$259,800 (+23.42%) Land $108,300 Building $151,500
2022	$2,225.00	$210,500 Land $81,000 Building $129,500	$210,500 Land $81,000 Building $129,500

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	4 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 247 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL 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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