3 Circle Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 3 Circle Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,316 sqft · built 1953
Lot Size	0.839 acres (36,590 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (May 2017)
Tax Bill	$2,608 (2024)
Deeds & Mortgages	May 2017 Mortgage Feb 2017 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`29-09-24-402-008.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-24-402-008.000-018`
Alternative APN	`1609240402008000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,316 sqft Living Area
1st Floor Area	1,316 sqft
Basement Area	837 sqft
Game Room	Game Room

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1969
Architectural Style	Other
Exterior Material	Stone
Construction Type	Wood
Roof Material	Asphalt
Lot Area	36,590 sqft (0.839 acres)
Lot Dimensions	251 ft deep x 164 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1609240402008000
Street Address	3 CIRCLE DR
City	CARMEL
State	IN
Zip	46032-1355
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 24, TOWNSHIP 18, RANGE 3, WALTER'S ROLLING ACRES, LOT 29
Legal Range	03
Legal Township	18
Legal Section	24
Legal Subdivision	CARMEL WALTERS ROL
Legal Lot Number	29
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1005
Census Tract	110906

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
Co-owner	Co-owner on Record
Mailing Address	3 CIRCLE DR, CARMEL, IN 46032-1355
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2017	Warranty Deed, Transfer · Conventional Mortgage NEW PENN FINANCIAL LLC
Feb 1, 2017	Trustee's Deed, Construction Loan · Construction Mortgage FIRST FIN'L BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2017 · Amount on Record
Deed Sale	May 1, 2017 · Amount on Record
Prior Sale	Sep 2, 2016
Deed Document Number	2017018792
Record Updated	Jun 8, 2026

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	May 1, 2017
Property Address	3 CIRCLE DR, CARMEL, IN 46032-1355
Document Number	2017018792
Instrument Date	Apr 12, 2017
Instrument	2017018792
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CIRCLE DR, CARMEL, IN 46032-1355

Mortgage

Document Number	2017018793
Date	May 1, 2017
Instrument	2017018793

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

February 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	HAMILTON IN
Recording Date	Feb 1, 2017
Property Address	3 CIRCLE DR, CARMEL, IN 46032-1355
Instrument Date	Jan 20, 2017
Instrument	4853
Transaction Type	Construction Loan
Record Updated	Mar 2, 2017
Title Company	SOUTHWEST FINANCIAL, SOUTHWEST FIN'L SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CIRCLE DR CARMEL IN 460321355, CARMEL, IN 46032-1355

Mortgage

Document Number	0000004853
Date	Feb 1, 2017
Instrument	4853

Lender

Name	FIRST FIN'L BK&TR
Type	Funding / Finance Company
Address	CINCINNATI, OH 45202

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 31, 2018

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		$284,100 (+10.59%) Land $68,000 Building $216,100	$284,100 (+10.59%) Land $68,000 Building $216,100
2024	$2,608.00 (+54.32%)	$256,900 (+37.6%) Land $68,000 Building $188,900	$256,900 (+37.6%) Land $68,000 Building $188,900
2023	$1,690.00 (+0.66%)	$186,700 (+10.08%) Land $68,000 Building $118,700	$186,700 (+10.08%) Land $68,000 Building $118,700
2022	$1,679.00	$169,600 Land $59,700 Building $109,900	$169,600 Land $59,700 Building $109,900

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Jun 1978 · tidal / storm surge

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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
On-Ramp Indiana Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Metronet, Xfinity.

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