Hamilton County property record for 3659 E Carmel Dr, Carmel, IN 46033
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 4,908 sqft · built 1976 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $851,000 (Sep 2022) |
| Tax Bill | $8,897 (2024) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Mar 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-10-32-107-005.000-018 |
| Primary APN | 29-10-32-107-005.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 4,908 sqft Living Area |
| Gross Area | 6,584 sqft |
| 1st Floor Area | 2,708 sqft |
| Basement Area | 2,468 sqft |
| Finished Basement | 2,200 sqft |
| Unfinished Basement | 268 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 2004 |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 30,492 sqft (0.7 acres) |
| Lot Dimensions | 279 ft deep x 134 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 1,408 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 800 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3659 E CARMEL DR |
|---|---|
| City | CARMEL |
| State | IN |
| Zip | 46033-4316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .00, SECTION 32, TOWNSHIP 18, RANGE 4, EDEN ESTATES, SECTION 3, LOT 83 |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 32 |
| Legal Subdivision | EDEN ESTATES SECTION 3 |
| Legal Block | 3 |
| Legal Lot Number | 83 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 111003 |
Source: Hamilton County records · APN 29-10-32-107-005.000-018
Assessment roll updated March 16, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 3659 E CARMEL DR, CARMEL, IN 46033-4316 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 01, 2022 | Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Mar 17, 2017 | Deed of Trust, Mortgage · Line of Credit UNION SVGS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 01, 2022 · Amount on Record |
| Deed Sale | Sep 01, 2022 · Amount on Record |
| Prior Sale | Sep 08, 2005 · Amount on Record |
| Deed Document Number | 202243528 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Sep 01, 2022 |
| Property Address | 3659 E CARMEL DR, CARMEL, IN 46033-4316 |
| Document Number | 0000043528 |
| Map Reference | MB 5 PG 169-170 |
| Instrument Date | Aug 30, 2022 |
| Instrument | 2022043528 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 3659 E CARMEL DR, CARMEL, IN 46033-4316 |
| Document Number | 0000043529 |
|---|---|
| Date | Sep 01, 2022 |
| Instrument | 2022043529 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 01, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.62% |
| Index | Other |
| Margin | 3 |
| Max Rate | 9.62% |
| Document Number | 0000043901 |
|---|---|
| Date | Sep 06, 2022 |
| Instrument | 2022043901 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Aug 17, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 3659 E CARMEL DR, CARMEL, IN 46033-4316 |
| Document Number | 0000017887 |
| Instrument Date | Mar 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 06, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3659 E CARMEL DR CARMEL IN 460334316, CARMEL, IN 46033-4316 |
| Document Number | 0000017887 |
|---|---|
| Date | Apr 25, 2017 |
| Instrument | 17887 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 24, 2027 |
| Rate Type | Adjustable Rate |
|---|
Source: Hamilton County records · Assessment roll updated March 16, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Clay Township |
| Municipality | Carmel City |
| Unified School District | Carmel Clay Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $839,800 (+8.04%) Land $191,800 Building $648,000 | $839,800 (+8.04%) Land $191,800 Building $648,000 | |
| 2024 | $8,897.00 (-8.1%) | $777,300 (-7.9%) Land $191,800 Building $585,500 | $777,300 (-7.9%) Land $191,800 Building $585,500 |
| 2023 | $9,681.00 (+14.3%) Homeowner's exemption | $844,000 (+14.5%) Land $116,000 Building $728,000 | $844,000 (+14.5%) Land $116,000 Building $728,000 |
| 2022 | $8,470.00 Homeowner's exemption | $737,100 Land $116,000 Building $621,100 | $737,100 Land $116,000 Building $621,100 |
Source: FEMA National Flood Hazard Layer as of October 5, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 94% of the US · lower than 63% of Indiana |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 35 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: On-Ramp Indiana.
Based on FCC filings for 236 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CARMEL WATER DEPARTMENT serves 99,927 people |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Aug 2024 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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