32 Circle Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 32 Circle Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,112 sqft · built 1955
Lot Size	1.47 acres (64,033 sqft)
Owner	2 Individual Names on Record
Last Sale	$578,816 (May 2026)
Tax Bill	$2,894 (2024)
Deeds & Mortgages	May 2026 Mortgage May 2026 Sale & Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-24-401-005.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-24-401-005.000-018`
Alternative APN	`1609240401005000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,112 sqft Living Area
Gross Area	2,744 sqft
1st Floor Area	1,574 sqft
2nd Floor Area	104 sqft
Basement Area	1,170 sqft
Finished Basement	538 sqft
Unfinished Basement	632 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Material	Asphalt
Lot Area	64,033 sqft (1.47 acres)
Terrain	High
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	32 CIRCLE DR
City	CARMEL
State	IN
Zip	46032-1356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE 1.47, SECTION 24, TOWNSHIP 18, RANGE 3, WALTERS ROLLING ACRES, LOT PT 22, IRREGULAR SHAPE
Legal Range	03
Legal Township	18
Legal Section	24
Legal Subdivision	WALTERS ROLLING ACRES
Legal Lot Number	22
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1004
Census Tract	110906

Owner

Source: Hamilton County records, as of June 2, 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	32 CIRCLE DR, CARMEL, IN 46032-1356
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE
May 19, 2026	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE
May 19, 2026	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE
Sep 3, 2025	Quit Claim Deed, Transfer · Conventional Mortgage INDIANA MEMBERS CU
Sep 24, 2024	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC
Sep 25, 2023	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC
Apr 19, 2018	Deed of Trust, Mortgage · Commercial Mortgage HORIZON BANK
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2026 · Amount on Record
Deed Sale	May 19, 2026 · Amount on Record
Prior Sale	Sep 3, 2025 · Amount on Record
Deed Document Number	202621982
Prior Transfer Date	Jul 25, 2014
Prior Transfer Doc	0000032307
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	May 20, 2026
Property Address	32 CIRCLE DR, CARMEL, IN 46032-1356
Document Number	0000022224
Instrument Date	May 15, 2026
Instrument	202622224
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	32 CIRCLE DR, CARMEL, IN 46032-1356

Mortgage

Document Number	0000022224,
Date	May 20, 2026
Instrument	202622224

Lender

Name	RUOFF MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	May 19, 2026
Property Address	32 CIRCLE DR, CARMEL, IN 46032-1356
Document Number	0000021982
Instrument Date	May 14, 2026
Instrument	202621982
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	MERIDIAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	32 CIRCLE DR, CARMEL, IN 46032-1356

Mortgage

Document Number	0000021983,
Date	May 19, 2026
Instrument	202621983

Lender

Name	RUOFF MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	May 19, 2026
Property Address	32 CIRCLE DR, CARMEL, IN 46032-1356
Document Number	0000021982
Instrument Date	May 14, 2026
Instrument	202621982
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	MERIDIAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	32 CIRCLE DR, CARMEL, IN 46032-1356

Mortgage

Document Number	0000021983,
Date	May 19, 2026
Instrument	202621983

Lender

Name	RUOFF MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

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

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON IN
Recording Date	Sep 3, 2025
Property Address	32 CIRCLE DR, CARMEL, IN 46032-1356
Document Number	0000037198
Map Reference	DD 137 PG 167--180
Instrument Date	Aug 18, 2025
Instrument	2025037198
Transaction Type	Transfer
Record Updated	Jun 12, 2026

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 CIRCLE DR, CARMEL, IN 46032-1356

Mortgage

Document Number	0000037199
Date	Sep 3, 2025
Instrument	2025037199

Lender

Name	INDIANA MEMBERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Sep 24, 2024
Property Address	32 CIRCLE DR, CARMEL, IN 46032-1356
Document Number	0000036033
Map Reference	DD 137 PG 167-169
Instrument Date	Sep 23, 2024
Instrument	2024036033
Transaction Type	Transfer
Record Updated	Jun 12, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC

Transaction

Amount	Amount Recorded
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	32 CIRCLE DR, CARMEL, IN 46032-1356

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Sep 25, 2023
Property Address	32 CIRCLE DR, CARMEL, IN 46032-1356
Document Number	0000036632
Map Reference	DOC 9863126
Instrument Date	Sep 21, 2023
Instrument	2023036632
Transaction Type	Transfer
Record Updated	Jun 12, 2026
Title Company	NEAR NORTH TITLE GROUP

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	32 CIRCLE DR, CARMEL, IN 46032-1356

Mortgage

Document Number	0000036633
Date	Sep 25, 2023
Instrument	2023036633

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

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

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	32 CIRCLE DR, CARMEL, IN 46032-1356
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016500
Date	Apr 19, 2018
Instrument	2018016500

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	298 Months
Due	Feb 2, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	32 CIRCLE DR, CARMEL, IN 46032-1356
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000082118
Date	Nov 12, 2020
Instrument	2020082118

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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		$306,600 (+9.58%) Land $85,200 Building $221,400	$306,600 (+9.58%) Land $85,200 Building $221,400
2024	$2,894.00 (+38.47%)	$279,800 (+32.73%) Land $85,200 Building $194,600	$279,800 (+32.73%) Land $85,200 Building $194,600
2023	$2,090.00 (-0.1%)	$210,800 (+8.66%) Land $85,200 Building $125,600	$210,800 (+8.66%) Land $85,200 Building $125,600
2022	$2,092.00 (+6.3%)	$194,000 Land $74,800 Building $119,200	$194,000 Land $74,800 Building $119,200
2021	$1,968.00

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	3 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Jun 1978 · tidal / storm surge

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 94% of the US · lower than 63% 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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
On-Ramp Indiana Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Metronet, Xfinity.

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