3509 E Carmel Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 3509 E Carmel Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,586 sqft · built 1975
Lot Size	1.16 acres (50,530 sqft)
Owner	Company Name on Record
Last Sale	$1,157,500 (May 2024)
Tax Bill	$8,166 (2024)
Deeds & Mortgages	Aug 2022 Line of Credit Dec 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-32-301-006.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-32-301-006.000-018`
Alternative APN	`1610320301006000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,586 sqft Living Area
1st Floor Area	2,008 sqft
2nd Floor Area	1,344 sqft
Basement Area	1,658 sqft
Finished Basement	1,234 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1989
Architectural Style	Other
Exterior Material	Stone
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	50,530 sqft (1.16 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	1,150 sqft
Parking Spaces	4 Parking Spaces
Gazebo	201 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1610320301006000
Street Address	3509 E CARMEL DR
City	CARMEL
State	IN
Zip	46033-4314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 32, TOWNSHIP 18, RANGE 4, EDEN ESTATES, SECTION 2, LOT 46
Legal Range	04
Legal Township	18
Legal Section	32
Legal Subdivision	CARMEL EDEN ESTATE
Legal Block	2
Legal Lot Number	46
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2007
Census Tract	111003

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	Company Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	3509 E CARMEL DR, CARMEL, IN 46033-4314
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2022	Deed of Trust, Mortgage · Line of Credit LAKE CITY BANK
Dec 9, 2022	Transfer on Death Deed, Transfer
May 31, 2019	Deed of Trust, Mortgage · Commercial Mortgage LAKE CITY BANK
Jan 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MASTERS OF INDIANA INC
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKE CITY BANK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	May 21, 2024 · Amount on Record
Deed Sale	May 21, 2024 · Amount on Record
Prior Sale	Feb 22, 2011 · Amount on Record
Deed Document Number	2024017393
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	3509 E CARMEL DR, CARMEL, IN 46033-4314
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3509 E CARMEL DR, CARMEL, IN 46033-4314

Mortgage

Document Number	0000042672
Date	Aug 29, 2022
Instrument	2022042672

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46580

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON IN
Recording Date	Dec 9, 2022
Property Address	3509 E CARMEL DR, CARMEL, IN 46033-4314
Document Number	0000057969
Map Reference	MB 5 PG 46&47
Instrument Date	Dec 9, 2022
Instrument	2022057969
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3509 E CARMEL DR, CARMEL, IN 46033-4314

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	3509 E CARMEL DR, CARMEL, IN 46033-4314
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022616
Date	May 31, 2019
Instrument	2019022616

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46581

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 24, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	3509 E CARMEL DR, CARMEL, IN 46033-4314
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000077
Date	Jan 2, 2020
Instrument	2020000077

Lender

Name	MORTGAGE MASTERS OF INDIANA INC
Type	Mortgage Company
Address	EVANSVILLE, IN 47715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Dec 1, 2034

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	3509 E CARMEL DR, CARMEL, IN 46033-4314
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000153
Date	Jan 4, 2021
Instrument	2021000153

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46580

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

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		$740,300 (+7.52%) Land $206,300 Building $534,000	$740,300 (+7.52%) Land $206,300 Building $534,000
2024	$8,166.00 (-2.04%)	$688,500 (-4.97%) Land $206,300 Building $482,200	$688,500 (-4.97%) Land $206,300 Building $482,200
2023	$8,336.00 (+12.65%) Homeowner's exemption	$724,500 (+13.84%) Land $124,800 Building $599,700	$724,500 (+13.84%) Land $124,800 Building $599,700
2022	$7,400.00 Homeowner's exemption	$636,400 Land $124,800 Building $511,600	$636,400 Land $124,800 Building $511,600

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	1 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · rainfall accumulation

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 96% of the US · lower than 73% 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 236 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 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: On-Ramp Indiana.

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