3561 Towne Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 3561 Towne Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,821 sqft · built 2004
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$405,650 (Nov 2023)
Tax Bill	$4,342 (2024)
Deeds & Mortgages	May 2026 Line of Credit Feb 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-13-08-109-031.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-08-109-031.000-018`
Alternative APNs	`291308109031000034` `1713080109031000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,821 sqft Living Area
Gross Area	4,009 sqft
1st Floor Area	2,227 sqft
Attic	Attic
Attic Area	540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Brick
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	130 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	1,188 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3561 TOWNE DR
City	CARMEL
State	IN
Zip	46032-8536
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .27, SECTION 8, TOWNSHIP 17, RANGE 3, SHELBORNE GREENE, SECTION 2, LOT 70
Legal Range	03
Legal Township	17
Legal Section	08
Legal Subdivision	SHELBORNE GREENE SECTION 2
Legal Lot Number	70
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2029
Census Tract	111103

Owner

Source: Hamilton County records, as of May 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3561 TOWNE DR, CARMEL, IN 46032-8536
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Deed of Trust, Mortgage · Line of Credit CENTIER BANK
Feb 2, 2024	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Nov 8, 2023	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2023 · Amount on Record
Deed Sale	Nov 8, 2023 · Amount on Record
Prior Sale	Sep 28, 2004 · Amount on Record
Deed Document Number	202342544
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	May 6, 2026
Property Address	3561 TOWNE DR, CARMEL, IN 46032-8536
Document Number	0000019672
Instrument Date	Apr 30, 2026
Instrument	202619672
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3561 TOWNE DR, CARMEL, IN 46032-8536

Mortgage

Document Number	0000019672,
Date	May 6, 2026
Instrument	202619672

Lender

Name	CENTIER BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 30, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	3561 TOWNE DR, CARMEL, IN 46032-8536
Transaction Type	Mortgage
Record Updated	Feb 22, 2024
Title Company	CENTURION LAND TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3561 TOWNE DR, CARMEL, IN 46032-8536

Mortgage

Document Number	0000003571
Date	Feb 2, 2024
Instrument	2024003571

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2054

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Nov 8, 2023
Property Address	3561 TOWNE DR, CARMEL, IN 46032-8536
Document Number	0000042544
Map Reference	DOC 9934541
Instrument Date	Nov 2, 2023
Instrument	2023042544
Transaction Type	Transfer
Record Updated	Dec 8, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	3561 TOWNE DR, CARMEL, IN 46032-8536

Mortgage

Document Number	0000042545
Date	Nov 8, 2023
Instrument	2023042545

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

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

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		$454,300 (+13.83%) Land $123,700 Building $330,600	$454,300 (+13.83%) Land $123,700 Building $330,600
2024	$4,342.00 (+2.26%)
2023	$4,246.00 (+6.36%) Homeowner's exemption	$399,100 (+14.19%) Land $123,700 Building $275,400	$399,100 (+14.19%) Land $123,700 Building $275,400
2022	$3,992.00 Homeowner's exemption	$349,500 Land $80,100 Building $269,400	$349,500 Land $80,100 Building $269,400

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	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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