3552 Towne Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 3552 Towne Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,478 sqft · built 1999
Lot Size	0.289 acres (12,632 sqft)
Owner	Individual Name on Record
Tax Bill	$4,170 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-13-08-109-026.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-08-109-026.000-018`
Alternative APNs	`291308109026000034` `1713080109026000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,478 sqft Living Area
1st Floor Area	2,478 sqft
Attic	Attic
Attic Area	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	12,632 sqft (0.289 acres)
Lot Dimensions	93 ft deep x 138 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1713080109026000
Old Parcel Number	291308109026000034
Street Address	3552 TOWNE DR
City	CARMEL
State	IN
Zip	46032-8536
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .29, SECTION 8, TOWNSHIP 17, RANGE 3, SHELBORNE GREENE, SECTION 2, LOT 65
Legal Range	03
Legal Township	17
Legal Section	08
Legal Subdivision	SHELBORNE GREENE
Legal Block	2
Legal Lot Number	65
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2000
Census Tract	111103

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	Individual Name on Record
Mailing Address	3552 TOWNE DR, CARMEL, IN 46032-8536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK
Jul 24, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2000
Deed Sale	Apr 17, 2000
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Apr 28, 2026
Property Address	3552 TOWNE DR, CARMEL, IN 46032-8536
Document Number	0000018207
Instrument Date	Apr 22, 2026
Instrument	202618207
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3552 TOWNE DR, CARMEL, IN 46032-8536

Mortgage

Document Number	0000018207,
Date	Apr 28, 2026
Instrument	202618207

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2056

Interest

Rate	6.38%
Max Rate	-1%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	3552 TOWNE DR, CARMEL, IN 46032-8536
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035129
Date	Jul 24, 2017
Instrument	2017035129

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 27, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$433,600 (+13.51%) Land $126,200 Building $307,400	$433,600 (+13.51%) Land $126,200 Building $307,400
2024	$4,170.00 (+3.22%)	$382,000 (-) Land $126,200 Building $255,800	$382,000 (-) Land $126,200 Building $255,800
2023	$4,040.00 (+7.25%) Homeowner's exemption	$382,000 (+15.06%) Land $126,200 Building $255,800	$382,000 (+15.06%) Land $126,200 Building $255,800
2022	$3,767.00 Homeowner's exemption	$332,000 Land $83,400 Building $248,600	$332,000 Land $83,400 Building $248,600

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	5 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	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 212 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

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