2805 Twain Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 2805 Twain Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,194 sqft · built 2022
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$1,021,303 (Jul 2023)
Tax Bill	$9,058 (2024)
Deeds & Mortgages	Feb 2026 Line of Credit Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-10-19-013-007.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-19-013-007.000-018`
Alternative APN	`1710190013007000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,194 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	554 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1710190013007000
Street Address	2805 TWAIN DR
City	CARMEL
State	IN
Zip	46033-0032
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .25, SECTION 19, TOWNSHIP 18, RANGE 4, COURTYARDS OF CARMEL, SECTION 2, LOT 14, IRREGULAR SHAPE
Legal Lot Number	14
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1009
Census Tract	110904

Owner

2805 Twain Dr is owned and occupied by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2805 TWAIN DR, CARMEL, IN 46033-0032
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2026	Deed of Trust, Mortgage · Line of Credit STAR FINANCIAL BANK
Jul 26, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST MERCHANTS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2023 · Amount on File
Deed Sale	Jul 26, 2023 · Amount on File
Deed Document Number	2023027863
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	2805 TWAIN DR, CARMEL, IN 46033-0032
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2805 TWAIN DR, CARMEL, IN 46033-0032

Mortgage

Document Number	0000004382
Date	Feb 3, 2026
Instrument	2026004382

Lender

Name	STAR FINANCIAL BANK
Type	Bank
Address	FORT WAYNE, IN 46802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Jan 6, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jul 26, 2023
Property Address	2805 TWAIN DR, CARMEL, IN 46033-0032
Document Number	0000027863
Map Reference	DOC 2022023864
Instrument Date	Jul 14, 2023
Instrument	2023027863
Transaction Type	Transfer
Record Updated	Dec 22, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	2805 TWAIN DR, CARMEL, IN 46033-0032

Mortgage

Document Number	0000027864
Date	Jul 26, 2023
Instrument	2023027864

Lender

Name	FIRST MERCHANTS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.5%
Margin	3
Max Rate	11.5%

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		$789,100 Land $276,500 Building $512,600	$789,100 Land $276,500 Building $512,600
2024	$9,058.00 (+227.83%)
2023	$2,763.00	$276,500 Land $276,500	$276,500 Land $276,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2805 Twain Dr 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 2805 Twain Dr 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 96% of the US · lower than 73% 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 168 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
On-Ramp Indiana Fixed Wireless	100 / 20

May also be available: Metronet, Xfinity.

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