3528 E 116th St, Carmel, IN 46033 Property Records

Hamilton County property record for 3528 E 116th St, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,556 sqft · built 1971
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,778 (2024)
Deeds & Mortgages	Nov 2025 Transfer Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-32-303-042.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-32-303-042.000-018`
Alternative APN	`1610320303042000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,556 sqft Living Area
Gross Area	5,916 sqft
1st Floor Area	4,556 sqft
2nd Floor Area	1,288 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1974
Construction Type	Concrete
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	52,272 sqft (1.2 acres)
Terrain	Low
Garage Type	Attached
Garage Area	1,360 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	336 sqft
Shed	1 Shed
Shed Area	192 sqft
Gazebo	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3528 E 116TH ST
City	CARMEL
State	IN
Zip	46033-3245
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE 1.20, SECTION 32, TOWNSHIP 18, RANGE 4, EDEN FORESTS, LOT 51
Legal Range	04
Legal Township	18
Legal Section	32
Legal Subdivision	EDEN FORESTS
Legal Lot Number	51
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2000
Census Tract	111003

Owner

Source: Hamilton County records, as of June 25, 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	3528 E 116TH ST, CARMEL, IN 46033-3245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Transfer on Death Deed, Transfer
Oct 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Jul 15, 2025	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
Aug 22, 2025	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2025
Deed Sale	Aug 22, 2025
Prior Sale	Jan 30, 2004 · Amount on Record
Deed Document Number	202535609
Last Transfer Date	Nov 13, 2025
Transfer Doc	0000049361
Record Updated	Sep 20, 2026

November 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON IN
Recording Date	Nov 13, 2025
Property Address	3528 E 116TH ST, CARMEL, IN 46033-3245
Document Number	0000049361
Map Reference	MB 3 PG 87
Instrument Date	Nov 13, 2025
Instrument	2025049361
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3528 E 116TH ST, CARMEL, IN 46033-3245

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	3528 E 116TH ST, CARMEL, IN 46033-3245
Transaction Type	Mortgage
Record Updated	Oct 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042160
Date	Oct 1, 2025
Instrument	2025042160

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.45%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.4%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.4%

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	3528 E 116TH ST, CARMEL, IN 46033-3245
Transaction Type	Mortgage
Record Updated	Sep 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3528 E 116TH ST, CARMEL, IN 46033-3245

Mortgage

Document Number	0000028352
Date	Jul 15, 2025
Instrument	2025028352

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	203 Months
Due	Jun 27, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 22, 2025
Property Address	3528 E 116TH ST, CARMEL, IN 46033-3245
Document Number	0000035609
Map Reference	MB 3 PG 87
Instrument Date	Aug 22, 2025
Instrument	2025035609
Transaction Type	Transfer
Record Updated	Sep 26, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3528 E 116TH ST, CARMEL, IN 46033-3245

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		$533,100 (+6.03%) Land $170,900 Building $362,200	$533,100 (+6.03%) Land $170,900 Building $362,200
2024	$5,778.00 (+1.85%)	$502,800 (-0.04%) Land $170,900 Building $331,900	$502,800 (-0.04%) Land $170,900 Building $331,900
2023	$5,673.00 (-12.11%) Homeowner's exemption	$503,000 (-9.52%) Land $170,900 Building $332,100	$503,000 (-9.52%) Land $170,900 Building $332,100
2022	$6,455.00 Homeowner's exemption	$555,900 Land $126,700 Building $429,200	$555,900 Land $126,700 Building $429,200

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	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 98% of the US · lower than 85% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 177 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 · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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