3111 Whispering Trl, Carmel, IN 46033 Property Records

Hamilton County property record for 3111 Whispering Trl, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,990 sqft · built 1977
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on Record
Tax Bill	$4,355 (2024)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-14-06-408-002.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-14-06-408-002.000-018`
Alternative APN	`1614060408002000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	16 Rooms
Stories	2 Stories
Building Area	1,990 sqft Living Area
1st Floor Area	1,002 sqft
2nd Floor Area	988 sqft
Basement Area	950 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1995
Architectural Style	Other
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	170 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	484 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	1614060408002000
Street Address	3111 WHISPERING TRL
City	CARMEL
State	IN
Zip	46033-3954
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 6, TOWNSHIP 17, RANGE 4, KEYSTONE WOODS, SECTION 1, LOT 22
Legal Range	04
Legal Township	17
Legal Section	06
Legal Subdivision	CARMEL KEYSTONE WD
Legal Block	1
Legal Lot Number	22
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1009
Census Tract	111004

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	3111 WHISPERING TRL, CARMEL, IN 46033-3954
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2021
Deed Sale	Mar 22, 2021
Deed Document Number	2021021873
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Mar 22, 2021
Property Address	3111 WHISPERING TRL, CARMEL, IN 46033-3954
Document Number	2021021873
Map Reference	MB 3 PG 133
Instrument Date	Mar 10, 2021
Instrument	2021021873
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	NEAR NORTH TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3111 WHISPERING TRL, CARMEL, IN 46033-3954

Mortgage

Document Number	2021021874
Date	Mar 22, 2021
Instrument	2021021874

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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		$482,500 (+21.87%) Land $97,700 Building $384,800	$482,500 (+21.87%) Land $97,700 Building $384,800
2024	$4,355.00 (+28.54%)	$395,900 (+20.85%) Land $97,700 Building $298,200	$395,900 (+20.85%) Land $97,700 Building $298,200
2023	$3,388.00 (+3.61%)	$327,600 (+11.77%) Land $97,700 Building $229,900	$327,600 (+11.77%) Land $97,700 Building $229,900
2022	$3,270.00	$293,100 Land $93,600 Building $199,500	$293,100 Land $93,600 Building $199,500

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	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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