2989 Winterset Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 2989 Winterset Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 5,031 sqft · built 1998
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on Record
Tax Bill	$17,132 (2024)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-13-05-011-015.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-05-011-015.000-018`
Alternative APNs	`291305011015000034` `1713050011015000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	5,031 sqft Living Area
1st Floor Area	1,972 sqft
2nd Floor Area	1,774 sqft
Attic	Attic
Attic Area	854 sqft
Basement Area	1,372 sqft
Finished Basement	1,285 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	198 ft deep x 113 ft wide
Garage Type	Attached
Garage Area	854 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1713050011015000
Old Parcel Number	291305011015000034
Street Address	2989 WINTERSET DR
City	CARMEL
State	IN
Zip	46032-9493
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .53, SECTION 5, TOWNSHIP 17, RANGE 3, KINGS MILL, SECTION 2, LOT 59
Legal Range	03
Legal Township	17
Legal Section	05
Legal Subdivision	KINGS MILL
Legal Block	2
Legal Lot Number	59
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2039
Census Tract	111010

Owner

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 Record
Mailing Address	2989 WINTERSET DR, CARMEL, IN 46032-9493
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVIGANT CREDIT UNION
Jan 24, 2024	Transfer on Death Deed, Transfer
Oct 10, 2023	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2023
Deed Sale	Oct 10, 2023
Deed Document Number	2023038819
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Sep 9, 2026
Property Address	2989 WINTERSET DR, CARMEL, IN 46032-9493
Document Number	0000041955
Instrument Date	Sep 9, 2026
Instrument	202641955
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2989 WINTERSET DR, CARMEL, IN 46032-9493

Mortgage

Document Number	0000041955,
Date	Sep 9, 2026
Instrument	202641955

Lender

Name	NAVIGANT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.88%
Initial Type	Fixed Rate
Max Rate	-1%

January 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON IN
Recording Date	Jan 24, 2024
Property Address	2989 WINTERSET DR, CARMEL, IN 46032-9493
Document Number	0000002346
Map Reference	DOC 9540439
Instrument Date	Jan 23, 2024
Instrument	2024002346
Transaction Type	Transfer
Record Updated	Feb 13, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2989 WINTERSET DR, CARMEL, IN 46032-9493

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	HAMILTON IN
Recording Date	Oct 10, 2023
Property Address	2989 WINTERSET DR, CARMEL, IN 46032-9493
Document Number	0000038819
Map Reference	DOC 9540439
Instrument Date	Oct 9, 2023
Instrument	2023038819
Transaction Type	Transfer
Record Updated	Oct 30, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2989 WINTERSET DR, CARMEL, IN 46032-9493

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		$856,800 (-0.09%) Land $238,900 Building $617,900	$856,800 (-0.09%) Land $238,900 Building $617,900
2024	$17,132.00 (+13.19%)	$857,600 (+14.22%) Land $238,900 Building $618,700	$857,600 (+14.22%) Land $238,900 Building $618,700
2023	$15,136.00 (+12.55%)	$750,800 (+15.15%) Land $186,600 Building $564,200	$750,800 (+15.15%) Land $186,600 Building $564,200
2022	$13,448.00	$652,000 Land $186,600 Building $465,400	$652,000 Land $186,600 Building $465,400

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	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.

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 143 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 / 35

May also be available: AT&T, Xfinity.

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