2654 Millgate Ct, Carmel, IN 46033 Property Records

Hamilton County property record for 2654 Millgate Ct, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,406 sqft · built 2010
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Nov 2020)
Tax Bill	$4,447 (2024)
Deeds & Mortgages	Nov 2020 Mortgage Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-10-19-010-018.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-19-010-018.000-018`
Alternative APN	`1710190010018000`

Interior

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	3,406 sqft Living Area
1st Floor Area	1,231 sqft
2nd Floor Area	1,205 sqft
Basement Area	1,231 sqft
Finished Basement	970 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Architectural Style	Other
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	105 ft deep x 105 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1710190010018000
Street Address	2654 MILLGATE CT
City	CARMEL
State	IN
Zip	46033-2206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .21, SECTION 19, TOWNSHIP 18, RANGE 4, YORKTOWN WOODS, LOT 18, IRREGULAR SHAPE
Legal Range	04
Legal Township	18
Legal Section	19
Legal Subdivision	YORKTOWN WOODS
Legal Lot Number	18
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1009
Census Tract	110904

Owner

2654 Millgate Ct is owned and occupied by an individual who bought it in November 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2654 MILLGATE CT, CARMEL, IN 46033-2206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jan 17, 2017	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2020 · Amount on File
Deed Sale	Nov 10, 2020 · Amount on File
Prior Sale	Dec 30, 2010 · Amount on File
Deed Document Number	2020081753
Record Updated	Jun 8, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Nov 10, 2020
Property Address	2654 MILLGATE CT, CARMEL, IN 46033-2206
Document Number	2020081753
Map Reference	DOC 200600017282
Instrument Date	Nov 6, 2020
Instrument	2020081753
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	2654 MILLGATE CT, CARMEL, IN 46033-2206

Mortgage

Document Number	2020081754
Date	Nov 10, 2020
Instrument	2020081754

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	2654 MILLGATE CT, CARMEL, IN 46033-2206
Document Number	0000023144
Instrument Date	Jan 17, 2017
Transaction Type	Mortgage
Record Updated	Jun 9, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2654 MILLGATE CT CARMEL IN 460332206, CARMEL, IN 46033-2206

Mortgage

Document Number	0000023144
Date	May 22, 2017
Instrument	23144

Lender

Name	NAVY FCU
Type	Credit Union
Address	MERRIFIELD, VA 22119-3327

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

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		$481,200 (+19.64%) Land $119,400 Building $361,800	$481,200 (+19.64%) Land $119,400 Building $361,800
2024	$4,447.00 (+2.87%)	$402,200 (-0.79%) Land $119,400 Building $282,800	$402,200 (-0.79%) Land $119,400 Building $282,800
2023	$4,323.00 (+12.49%) Homeowner's exemption	$405,400 (+20.3%) Land $119,400 Building $286,000	$405,400 (+20.3%) Land $119,400 Building $286,000
2022	$3,843.00 Homeowner's exemption	$337,000 Land $63,900 Building $273,100	$337,000 Land $63,900 Building $273,100

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

Flood

FEMA maps place 2654 Millgate Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2003.

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	2 (2003–2013)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 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

Wildfire risk around 2654 Millgate 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.

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 129 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 Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
On-Ramp Indiana Fixed Wireless	100 / 20

May also be available: Xfinity.

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