3118 Whispering Trl, Carmel, IN 46033 Property Records

Hamilton County property record for 3118 Whispering Trl, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,861 sqft · built 1972
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Sep 2021)
Tax Bill	$6,372 (2024)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-14-06-409-003.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-14-06-409-003.000-018`
Alternative APN	`1614060409003000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,861 sqft Living Area
Gross Area	4,013 sqft
1st Floor Area	2,861 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1985
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	25,700 sqft (0.59 acres)
Lot Dimensions	197 ft deep x 116 ft wide
Garage Type	Attached
Garage Area	1,152 sqft
Parking Spaces	2 Parking Spaces
Pool Area	384 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3118 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 18, IRREGULAR SHAPE
Legal Range	04
Legal Township	17
Legal Section	06
Legal Subdivision	KEYSTONE WOODS SECTION 1
Legal Block	1
Legal Lot Number	18
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 21, 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	3118 WHISPERING TRL, CARMEL, IN 46033-3955
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL
Sep 29, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST FINANCIAL BANK NA
Sep 29, 2021	Warranty Deed, Transfer
Nov 6, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage TVC FUNDING II LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2021 · Amount on Record
Deed Sale	Sep 29, 2021 · Amount on Record
Prior Sale	Sep 29, 2021 · Amount on Record
Deed Document Number	202170947
Prior Transfer Date	Sep 24, 2021
Prior Transfer Doc	0000070947
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Jul 8, 2026
Property Address	3118 WHISPERING TRL, CARMEL, IN 46033-3955
Document Number	0000030694
Instrument Date	Jun 8, 2026
Instrument	202630694
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3118 WHISPERING TRL, CARMEL, IN 46033-3955

Mortgage

Document Number	0000030694,
Date	Jul 8, 2026
Instrument	202630694

Lender

Name	FIRST FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 12, 2036

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON IN
Recording Date	Sep 29, 2021
Property Address	3118 WHISPERING TRL, CARMEL, IN 46033-3955
Document Number	0000070947
Map Reference	MB 3 PG 133
Instrument Date	Sep 24, 2021
Instrument	2021070947
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	MTC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3118 WHISPERING TRL, CARMEL, IN 46033-3955

Mortgage

Document Number	0000070946
Date	Sep 29, 2021
Instrument	2021070946

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank

Agreement

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

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Sep 29, 2021
Property Address	3118 WHISPERING TRL, CARMEL, IN 46033-3955
Document Number	0000070945
Map Reference	MB 3 PG 133
Instrument Date	Sep 21, 2021
Instrument	2021070945
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3118 WHISPERING TRL, CARMEL, IN 46033-3955

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Nov 6, 2020
Property Address	3118 WHISPERING TRL, CARMEL, IN 46033-3955
Document Number	2020080770
Map Reference	MB 3 PG 133
Instrument Date	Aug 20, 2020
Instrument	2020080770
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	MERIDIAN NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3118 WHISPERING TRL, 3118, CARMEL, IN 46033-3955

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3118 WHISPERING TRL, CARMEL, IN 46033-3955
Investor	Possibly a Property Investor

Mortgage

Document Number	2020080771
Date	Nov 6, 2020
Instrument	2020080771

Lender

Name	TVC FUNDING II LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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		$684,200 (+24.38%) Land $103,500 Building $580,700	$684,200 (+24.38%) Land $103,500 Building $580,700
2024	$6,372.00 (+27.47%)	$550,100 (+7.69%) Land $103,500 Building $446,600	$550,100 (+7.69%) Land $103,500 Building $446,600
2023	$4,999.00 (+32.14%) Homeowner's exemption	$510,800 (+55.87%) Land $103,500 Building $407,300	$510,800 (+55.87%) Land $103,500 Building $407,300
2022	$3,783.00 Homeowner's exemption	$327,700 Land $99,100 Building $228,600	$327,700 Land $99,100 Building $228,600

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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