3018 Whispering Trl, Carmel, IN 46033 Property Records

Hamilton County property record for 3018 Whispering Trl, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,766 sqft · built 1972
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$593,446 (Jul 2023)
Tax Bill	$3,896 (2024)
Deeds & Mortgages	Jul 2023 Transfer Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-14-06-406-006.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-14-06-406-006.000-018`
Alternative APN	`1614060406006000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	1,766 sqft Living Area
Gross Area	3,494 sqft
1st Floor Area	2,438 sqft
2nd Floor Area	830 sqft
Basement Area	672 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1975
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	190 ft deep x 115 ft wide
Garage Type	Attached
Garage Area	1,056 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3018 WHISPERING TRL
City	CARMEL
State	IN
Zip	46033-3953
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 6, TOWNSHIP 17, RANGE 4, KEYSTONE WOODS, SECTION 1, LOT 69
Legal Range	04
Legal Township	17
Legal Section	06
Legal Subdivision	KEYSTONE WOODS SECTION 1
Legal Lot Number	69
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1003
Census Tract	111004

Owner

Source: Hamilton County records, as of April 6, 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
Mailing Address	3018 WHISPERING TRL, CARMEL, IN 46033-3953
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2023	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY/CA, CHICAGO TITLE COMPANY LLC
Jul 13, 2023	Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2023 · Amount on Record
Deed Sale	Jul 13, 2023 · Amount on Record
Deed Document Number	202326131
Prior Transfer Date	Jul 10, 2023
Prior Transfer Doc	0000026130
Record Updated	Sep 20, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON IN
Recording Date	Jul 13, 2023
Property Address	3018 WHISPERING TRL, CARMEL, IN 46033-3953
Document Number	0000026130
Map Reference	MB 3 PG 133
Instrument Date	Jul 10, 2023
Instrument	2023026130
Transaction Type	Transfer
Record Updated	Aug 18, 2023
Title Company	CHICAGO TITLE COMPANY/CA, CHICAGO TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	3018 WHISPERING TRL, CARMEL, IN 46033-3953

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HAMILTON IN
Recording Date	Jul 13, 2023
Property Address	3018 WHISPERING TRL, CARMEL, IN 46033-3953
Document Number	0000026131
Map Reference	MB 3 PG 133
Instrument Date	Jul 10, 2023
Instrument	2023026131
Transaction Type	Transfer
Record Updated	Aug 18, 2023
Title Company	CHICAGO TITLE COMPANY/CA, CHICAGO TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
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	3018 WHISPERING TRL, CARMEL, IN 46033-3953

Mortgage

Document Number	0000026132
Date	Jul 13, 2023
Instrument	2023026132

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 16, 2026

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		$433,000 (+20.41%) Land $100,100 Building $332,900	$433,000 (+20.41%) Land $100,100 Building $332,900
2024	$3,896.00 (+25.92%)	$359,600 (+19.47%) Land $100,100 Building $259,500	$359,600 (+19.47%) Land $100,100 Building $259,500
2023	$3,094.00 (-4.92%)	$301,000 (+5.5%) Land $100,100 Building $200,900	$301,000 (+5.5%) Land $100,100 Building $200,900
2022	$3,254.00 (+6.37%)	$285,300 Land $95,900 Building $189,400	$285,300 Land $95,900 Building $189,400
2021	$3,059.00

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

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	2 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2015 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 78% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 208 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
AT&T DSL	100 / 20

May also be available: T-Mobile, Verizon.

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