331 W Main St, Carmel, IN 46032 Property Records

Hamilton County property record for 331 W Main St, Carmel, IN 46032

Property Summary

Property Type	City, Municipal, Town, Village Owned (Exempt)
Details	2 bd · 2 ba · 1,768 sqft · built 1890
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Company Names on Record
Tax Bill	$4,584 (2024)
Deeds & Mortgages	Mar 2026 Sale Jan 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-25-161-001.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-25-161-001.000-018`
Alternative APNs	`290925G01001000018` `1609251601001000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,768 sqft Gross Area
1st Floor Area	964 sqft
Attic	Attic
Attic Area	749 sqft
Basement Area	336 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1974
Construction Type	Frame
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	171 ft deep x 63 ft wide
Garage Type	Detached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Deck Area	100 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	331 W MAIN ST
City	CARMEL
State	IN
Zip	46032-2486
Property Category	Public Works
Property Type	Public Works > City, Municipal, Town, Village Owned (Exempt)
Legal Description	ACREAGE .23, SECTION 25, TOWNSHIP 18, RANGE 3
Legal Range	03
Legal Township	18
Legal Section	25
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2001
Census Tract	111011

Owner

Source: Hamilton County records, as of May 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	275 VETERANS WAY, 200, CARMEL, IN 46032-3780
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Limited Warranty Deed, Transfer
Jan 16, 2024	Warranty Deed, Transfer
Dec 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK OF INDIANA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2026
Deed Sale	Mar 10, 2026
Prior Sale	Jan 16, 2024
Deed Document Number	20269365
Prior Transfer Date	Dec 7, 2001
Prior Transfer Doc	0000082927
Record Updated	Oct 29, 2026

March 2026: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Mar 10, 2026
Property Address	331 W MAIN ST, CARMEL, IN 46032-2486
Document Number	0000009365
Instrument Date	Jan 21, 2026
Instrument	2026009365
Transaction Type	Transfer
Record Updated	Mar 20, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	275 VETERANS WAY STE 200, 200, CARMEL, IN 46032-3780

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jan 16, 2024
Property Address	331 W MAIN ST, CARMEL, IN 46032-2486
Document Number	0000001398
Instrument Date	Jan 12, 2024
Instrument	2024001398
Transaction Type	Transfer
Record Updated	Mar 5, 2026

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	1 CIVIC SQ, CARMEL, IN 46032-2584
Investor	Possibly a Property Investor

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	331 W MAIN ST, CARMEL, IN 46032-1672
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065387
Date	Dec 23, 2019
Instrument	2019065387

Lender

Name	MERCHANTS BANK OF INDIANA
Type	Bank
Address	CARMEL, IN 46032

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 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
2024	$4,584.00 (+15.26%)	$415,200 (+10.96%) Land $191,600 Building $223,600	$415,200 (+10.96%) Land $191,600 Building $223,600
2023	$3,977.00 (+12.03%) Homeowner's exemption	$374,200 (+18.64%) Land $150,000 Building $224,200	$374,200 (+18.64%) Land $150,000 Building $224,200
2022	$3,550.00	$315,400 Land $150,000 Building $165,400	$315,400 Land $150,000 Building $165,400

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	3 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	Not rated no burnable land within 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 401 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
On-Ramp Indiana Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

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