3114 Whispering Trl, Carmel, IN 46033 Property Records

Hamilton County property record for 3114 Whispering Trl, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,910 sqft · built 1972
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on Record
Last Sale	$654,360 (Jul 2026)
Tax Bill	$3,424 (2024)
Deeds & Mortgages	Jul 2026 Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-14-06-409-002.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-14-06-409-002.000-018`
Alternative APN	`1614060409002000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	1,910 sqft Living Area
Gross Area	3,662 sqft
1st Floor Area	2,606 sqft
2nd Floor Area	950 sqft
Basement Area	696 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Frame
Roof Material	Asphalt
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	190 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	1,056 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3114 WHISPERING TRL
City	CARMEL
State	IN
Zip	46033-3955
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 6, TOWNSHIP 17, RANGE 4, KEYSTONE WOODS, SECTION 1, LOT 19
Legal Range	04
Legal Township	17
Legal Section	06
Legal Subdivision	KEYSTONE WOODS SECTION 1
Legal Lot Number	19
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1000
Census Tract	111004

Owner

Source: Hamilton County records, as of July 20, 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	2621 CAPTAIN CALUMET DR, BROWNSBORO, AL 35741
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Warranty Deed, Transfer · Conventional Mortgage MERIT BANK
Feb 14, 2022	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2026 · Amount on Record
Deed Sale	Jul 7, 2026 · Amount on Record
Prior Sale	Feb 14, 2022
Deed Document Number	202630326
Prior Transfer Date	Mar 24, 2003
Prior Transfer Doc	0000040221
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jul 7, 2026
Property Address	3114 WHISPERING TRL, CARMEL, IN 46033-3955
Document Number	0000030326
Instrument Date	Jun 5, 2026
Instrument	202630326
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030327,
Date	Jul 7, 2026
Instrument	202630327

Lender

Name	MERIT BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Feb 14, 2022
Property Address	3114 WHISPERING TRL, CARMEL, IN 46033-3955
Document Number	0000008150
Map Reference	MB 3 PG 133&134
Instrument Date	Feb 11, 2022
Instrument	2022008150
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	DOMINION TITLE SERVICES, DBA DOMINION TITLE SERVICES

Transaction

Amount	Amount Recorded
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	3114 WHISPERING TRL, CARMEL, IN 46033-3955
Investor	Possibly a Property Investor

Mortgage

Document Number	0000007067
Date	Feb 14, 2022
Instrument	2022007067

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

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		$385,300 (+19.99%) Land $99,100 Building $286,200	$385,300 (+19.99%) Land $99,100 Building $286,200
2024	$3,424.00 (+26.86%)	$321,100 (+18.75%) Land $99,100 Building $222,000	$321,100 (+18.75%) Land $99,100 Building $222,000
2023	$2,699.00 (-8.2%)	$270,400 (+0.78%) Land $99,100 Building $171,300	$270,400 (+0.78%) Land $99,100 Building $171,300
2022	$2,940.00	$268,300 Land $94,900 Building $173,400	$268,300 Land $94,900 Building $173,400

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.

Nearby Properties on Whispering Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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