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2861 Towne Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 2861 Towne Dr, Carmel, IN 46032

Property Summary

Property TypeSingle Family Home
Details6 ba · 6,914 sqft · built 1995
Lot Size0.8 acres (34,848 sqft)
OwnerIndividual Name on File
Last Sale$950,000 (May 2018)
Tax Bill$12,966 (2024)
Deeds & MortgagesMay 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN29-13-08-001-029.000-018

Property Details

APN / Parcel Number

Primary APN29-13-08-001-029.000-018
Alternative APNs
  • 291308001029000034
  • 1713080001029000

Interior

Full Baths6 Baths
Half Baths2 Half Baths
Plumbing Fixtures23 Plumbing Fixtures
Stories2 Stories
Building Area6,914 sqft Living Area
1st Floor Area3,134 sqft
2nd Floor Area1,732 sqft
Basement Area2,048 sqft
Finished Basement2,048 sqft
Game RoomGame Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1995
Architectural StyleOther
Foundation TypeRaised
Roof MaterialAsphalt
Lot Area34,848 sqft (0.8 acres)
Lot Dimensions167 ft deep x 213 ft wide
Garage TypeAttached
Garage Area736 sqft
Parking Spaces3 Parking Spaces
Pool Area800 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerConnected

Location & Zoning

Account Number1713080001029000
Old Parcel Number291308001029000034
Street Address2861 TOWNE DR
CityCARMEL
StateIN
Zip46032-9751
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionACREAGE .80, SECTION 8, TOWNSHIP 17, RANGE 3, PINE LAKE ESTATES, LOT 27
Legal Range03
Legal Township17
Legal Section08
Legal SubdivisionPINE LAKES ESTATES
Legal Lot Number27
JurisdictionHAMILTON IN
Township / Civil DivisionCLAY
Census Block Group2
Census Block2030
Census Tract111103

Owner

2861 Towne Dr is owned and occupied by an individual who bought it in May 2018.

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 RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address2861 TOWNE DR, CARMEL, IN 46032-9751
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 11, 2018 · Amount on File
Deed SaleMay 11, 2018 · Amount on File
Prior SaleJun 13, 2006
Deed Document Number2018020213
Record UpdatedJun 8, 2026

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON IN
Recording DateMay 11, 2018
Property Address2861 TOWNE DR, CARMEL, IN 46032-9751
Document Number2018020213
Map ReferenceMB15 PG53-56
Instrument DateMay 9, 2018
Instrument2018020213
Transaction TypeTransfer
Record UpdatedOct 22, 2021
Title CompanyMERIDIAN TITLE CORP

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address2861 TOWNE DR, CARMEL, IN 46032-9751

Mortgage

Document Number2018020214
DateMay 11, 2018
Instrument2018020214
Lender
NamePNC BANK NA
TypeBank
Agreement
TypeARM
AmountAmount on Record
Term361 Months
DueJun 1, 2048
Interest
Rate TypeAdjustable Rate
Rate2.87%
Type Change DateJun 1, 2025
Change FrequencyAnnually
Min Rate At Change2.5%
Max Rate At Change7.87%
Index1-Year LIBOR
Max Rate7.87%

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateIndiana
CountyHamilton County
County SubdivisionClay Township
MunicipalityCarmel City
Unified School DistrictCarmel Clay Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,302,000 (+16.43%) Land $190,000 Building $1,112,000$1,302,000 (+16.43%) Land $190,000 Building $1,112,000
2024$12,966.00 (+16.86%)$1,118,300 (+17.52%) Land $190,000 Building $928,300$1,118,300 (+17.52%) Land $190,000 Building $928,300
2023$11,095.00 (+1.56%) Homeowner's exemption$951,600 (+3.38%) Land $190,000 Building $761,600$951,600 (+3.38%) Land $190,000 Building $761,600
2022$10,925.00 Homeowner's exemption$920,500 Land $190,000 Building $730,500$920,500 Land $190,000 Building $730,500

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

Flood

FEMA maps place 2861 Towne 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies5 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

Wildfire risk around 2861 Towne 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 RiskLow
lower than 99.1% of the US · lower than 94% of Indiana
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCARMEL WATER DEPARTMENT
serves 99,927 people · EPA ID IN5229004
Water SourceGroundwater influenced by surface water
Last State InspectionAug 2024
Lead3 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2024
E. coli
resolved · Oct 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 212 locations within half a mile, as of December 31, 2025

ProviderMax 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
DSL · Fiber in parts of the area		100 / 20

May also be available: Xfinity.

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