3554 Towne Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 3554 Towne Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,892 sqft · built 2001
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Nov 2019)
Tax Bill	$4,316 (2024)
Deeds & Mortgages	Jan 2023 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-13-08-109-024.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-08-109-024.000-018`
Alternative APNs	`291308109024000034` `1713080109024000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,892 sqft Living Area
Gross Area	3,812 sqft
1st Floor Area	2,432 sqft
Attic	Attic
Attic Area	440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Brick
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	150 ft deep x 94 ft wide
Garage Type	Attached
Garage Area	920 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3554 TOWNE DR
City	CARMEL
State	IN
Zip	46032-8536
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .36, SECTION 8, TOWNSHIP 17, RANGE 3, SHELBORNE GREENE, SECTION 2, LOT 63
Legal Range	03
Legal Township	17
Legal Section	08
Legal Subdivision	SHELBORNE GREENE SECTION 2
Legal Lot Number	63
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2024
Census Tract	111103

Owner

Source: Hamilton County records, as of March 16, 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	3554 TOWNE DR, CARMEL, IN 46032-8536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2023	Affidavit of Death of Joint Tenant, Transfer · Conventional Mortgage FORUM CU
Nov 21, 2019	Warranty Deed, Transfer · Conventional Mortgage ELEMENTS FINANCIAL FCU
Feb 28, 2018	Warranty Deed, Transfer · Conventional Mortgage HALLMARK HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2019 · Amount on Record
Deed Sale	Nov 21, 2019 · Amount on Record
Prior Sale	Feb 28, 2018 · Amount on Record
Deed Document Number	201959005
Last Transfer Date	Jan 2, 2023
Transfer Doc	0000000098
Record Updated	Sep 20, 2026

January 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	HAMILTON IN
Recording Date	Jan 3, 2023
Property Address	3554 TOWNE DR, CARMEL, IN 46032-8536
Document Number	0000000098
Instrument Date	Jun 16, 2022
Instrument	2023000098
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	3554 TOWNE DR, CARMEL, IN 46032-8536

Mortgage

Document Number	0000000397
Date	Jan 3, 2023
Instrument	2023000397

Lender

Name	FORUM CU
Type	Credit Union

Agreement

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

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Nov 21, 2019
Property Address	3554 TOWNE DR, CARMEL, IN 46032-8536
Document Number	2019059005
Instrument Date	Nov 14, 2019
Instrument	2019059005
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3554 TOWNE DR, CARMEL, IN 46032-8536

Mortgage

Document Number	2019059006
Date	Nov 21, 2019
Instrument	2019059006

Lender

Name	ELEMENTS FINANCIAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Feb 28, 2018
Property Address	3554 TOWNE DR, CARMEL, IN 46032-8536
Document Number	2018007971
Map Reference	DOC9815035&993541
Instrument Date	Feb 23, 2018
Instrument	2018007971
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3554 TOWNE DR, CARMEL, IN 46032-8536

Mortgage

Document Number	2018007972
Date	Feb 28, 2018
Instrument	2018007972

Lender

Name	HALLMARK HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

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		$457,300 (+16.15%) Land $134,000 Building $323,300	$457,300 (+16.15%) Land $134,000 Building $323,300
2024	$4,316.00 (+1.27%)	$393,700 (-) Land $134,000 Building $259,700	$393,700 (-) Land $134,000 Building $259,700
2023	$4,262.00 (+11.34%) Homeowner's exemption	$393,700 (+17.42%) Land $134,000 Building $259,700	$393,700 (+17.42%) Land $134,000 Building $259,700
2022	$3,828.00 Homeowner's exemption	$335,300 Land $88,600 Building $246,700	$335,300 Land $88,600 Building $246,700

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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