Hamilton County property record for 3686 E Carmel Dr, Carmel, IN 46033 · Last verified March 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 8 ba · 4,194 sqft · built 1976 |
| Lot Size | 0.75 acres (32,670 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,606 (2024) |
| Deeds & Mortgages | Feb 2024 Line of Credit Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-10-32-106-012.000-018 |
| Primary APN | 29-10-32-106-012.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 8 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 26 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 4,194 sqft Living Area |
| 1st Floor Area | 1,122 sqft |
| 2nd Floor Area | 2,232 sqft |
| Basement Area | 1,122 sqft |
| Finished Basement | 840 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Other |
| Roof Material | Asphalt |
| Lot Area | 32,670 sqft (0.75 acres) |
| Lot Dimensions | 280 ft deep x 115 ft wide |
| Terrain | High |
| Garage Type | Attached |
| Garage Area | 1,080 sqft |
| Parking Spaces | 4 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 1610320106012000 |
|---|---|
| Street Address | 3686 E CARMEL DR |
| City | CARMEL |
| State | IN |
| Zip | 46033-4317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .00, SECTION 32, TOWNSHIP 18, RANGE 4, EDEN ESTATES, SECTION 3, LOT 78, IRREGULAR SHAPE |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 32 |
| Legal Subdivision | EDEN ESTATES SECTION THREE |
| Legal Block | 3 |
| Legal Lot Number | 78 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 111003 |
Source: Hamilton County records · APN 29-10-32-106-012.000-018
Assessment roll updated July 1, 2025 · Last verified March 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 | 3686 E CARMEL DR, CARMEL, IN 46033-4317 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 08, 2024 | Deed of Trust, Mortgage · Line of Credit ELEMENTS FINANCIAL FCU |
| Aug 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Apr 24, 2017 | Loan Modification, Mortgage · Line of Credit NATIONAL BK/INDIANAPOLIS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 27, 2003 |
| Deed Sale | Jun 27, 2003 |
| Prior Sale | May 08, 2002 |
| Deed Document Number | 200300062298 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 3686 E CARMEL DR, CARMEL, IN 46033-4317 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000004043 |
|---|---|
| Date | Feb 08, 2024 |
| Instrument | 2024004043 |
| Name | ELEMENTS FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Address | INDIANAPOLIS, IN 46202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 15, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 3686 E CARMEL DR, CARMEL, IN 46033-4317 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020058882 |
|---|---|
| Date | Aug 28, 2020 |
| Instrument | 2020058882 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 01, 2035 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 3686 E CARMEL DR, CARMEL, IN 46033-4317 |
| Document Number | 0000022144 |
| Instrument Date | Apr 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 06, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3686 E CARMEL DR CARMEL IN 460334317, CARMEL, IN 46033-4317 |
| Document Number | 0000022144 |
|---|---|
| Date | May 16, 2017 |
| Instrument | 22144 |
| Name | NATIONAL BK/INDIANAPOLIS |
|---|---|
| Type | Bank |
| Address | INDIANAPOLIS, IN 46204 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 15, 2027 |
| Rate Type | Adjustable Rate |
|---|
Source: Hamilton County records · Assessment roll updated July 1, 2025 · Last verified March 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 | $700,100 (+20.56%) Land $192,500 Building $507,600 | $700,100 (+20.56%) Land $192,500 Building $507,600 | |
| 2024 | $6,606.00 (-1.14%) | $580,700 (-3.22%) Land $192,500 Building $388,200 | $580,700 (-3.22%) Land $192,500 Building $388,200 |
| 2023 | $6,682.00 (+10.92%) Homeowner's exemption | $600,000 (+13.55%) Land $116,400 Building $483,600 | $600,000 (+13.55%) Land $116,400 Building $483,600 |
| 2022 | $6,024.00 Homeowner's exemption | $528,400 Land $116,400 Building $412,000 | $528,400 Land $116,400 Building $412,000 |
Source: FEMA National Flood Hazard Layer, Hamilton County (18057C), updated October 5, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 180571110032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 236 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Metronet Holdings | Fiber | 5,120 / 5,120 |
| Spectrum | Cable | 1,000 / 35 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: On-Ramp Indiana, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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