3103 Towne Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 3103 Towne Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,069 sqft · built 1995
Lot Size	0.8 acres (34,848 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,761 (2024)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-08-001-035.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-08-001-035.000-018`
Alternative APNs	`291308001035000034` `1713080001035000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	21 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,069 sqft Living Area
1st Floor Area	1,717 sqft
2nd Floor Area	1,352 sqft
Basement Area	1,717 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Architectural Style	Other
Roof Material	Asphalt
Lot Area	34,848 sqft (0.8 acres)
Lot Dimensions	186 ft deep x 190 ft wide
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1713080001035000
Old Parcel Number	291308001035000034
Street Address	3103 TOWNE DR
City	CARMEL
State	IN
Zip	46032-8511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .80, SECTION 8, TOWNSHIP 17, RANGE 3, PINE LAKE ESTATES, LOT 21
Legal Range	03
Legal Township	17
Legal Section	08
Legal Subdivision	PINE LAKE ESTATE
Legal Lot Number	21
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2029
Census Tract	111103

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	2 Individual Names on Record
Mailing Address	3103 TOWNE DR, CARMEL, IN 46032-8511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Jan 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	3103 TOWNE DR, CARMEL, IN 46032-8511
Transaction Type	Mortgage
Record Updated	Apr 5, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021009812
Date	Feb 8, 2021
Instrument	2021009812

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2031

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	3103 TOWNE DR, CARMEL, IN 46032-8511
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000088
Date	Jan 3, 2017
Instrument	2017000088

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2032

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		$669,500 (+13.74%) Land $190,000 Building $479,500	$669,500 (+13.74%) Land $190,000 Building $479,500
2024	$6,761.00 (+19.71%)	$588,600 (+14.29%) Land $190,000 Building $398,600	$588,600 (+14.29%) Land $190,000 Building $398,600
2023	$5,648.00 (+0.79%) Homeowner's exemption	$515,000 (+5.42%) Land $190,000 Building $325,000	$515,000 (+5.42%) Land $190,000 Building $325,000
2022	$5,604.00 Homeowner's exemption	$488,500 Land $190,000 Building $298,500	$488,500 Land $190,000 Building $298,500

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	Low lower than 99.1% of the US · lower than 94% 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 212 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
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.

Nearby Properties on Towne Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures