3696 E Carmel Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 3696 E Carmel Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,304 sqft · built 1976
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$515,000 (Sep 2025)
Tax Bill	$4,914 (2024)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-32-102-038.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-32-102-038.000-018`
Alternative APN	`1610320102038000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,304 sqft Living Area
1st Floor Area	1,344 sqft
2nd Floor Area	960 sqft
Basement Area	672 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Architectural Style	Other
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	149 ft deep x 116 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1610320102038000
Street Address	3696 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, BROOKSHIRE, SECTION 6A, LOT 348, IRREGULAR SHAPE
Legal Range	04
Legal Township	18
Legal Section	32
Legal Subdivision	CARMEL BROOKSHIRE
Legal Block	6A
Legal Lot Number	348
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2001
Census Tract	111003

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
Co-owner	Co-owner on Record
Mailing Address	3696 E CARMEL DR, CARMEL, IN 46033-4317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL CENTER FIRST CU
Sep 10, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 6, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GVC MORTGAGE INC
May 8, 2020	Warranty Deed, Transfer · Conventional Mortgage TIAA FSB HOLDINGS INC
Oct 26, 2017	Loan Modification, Mortgage KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2025 · Amount on Record
Deed Sale	Sep 10, 2025 · Amount on Record
Prior Sale	Dec 6, 2021
Deed Document Number	2025038402
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	3696 E CARMEL DR, CARMEL, IN 46033-4317
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013155
Date	Mar 14, 2022
Instrument	2022013155

Lender

Name	FINANCIAL CENTER FIRST CU
Type	Credit Union
Address	INDIANAPOLIS, IN 46226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 17, 2037

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Sep 10, 2025
Property Address	3696 E CARMEL DR, CARMEL, IN 46033-4317
Document Number	0000038402
Map Reference	MR 141 PG 280
Instrument Date	Sep 5, 2025
Instrument	2025038402
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3696 E CARMEL DR, CARMEL, IN 46033-4317

Mortgage

Document Number	0000038403
Date	Sep 10, 2025
Instrument	2025038403

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON IN
Recording Date	Dec 6, 2021
Property Address	3696 E CARMEL DR, CARMEL, IN 46033-4317
Document Number	0000087341
Map Reference	MB 4 PG 169
Instrument Date	Nov 1, 2021
Instrument	2021087341
Transaction Type	Transfer
Record Updated	Sep 26, 2025
Title Company	QUALITY TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3696 E CARMEL DR, CARMEL, IN 46033-4317

Mortgage

Document Number	0000087342
Date	Dec 6, 2021
Instrument	2021087342

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	May 8, 2020
Property Address	3696 E CARMEL DR, CARMEL, IN 46033-4317
Document Number	2020026809
Map Reference	MB 4 PG 169
Instrument Date	May 6, 2020
Instrument	2020026809
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	STEWART TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3696 E CARMEL DR, CARMEL, IN 46033-4317

Mortgage

Document Number	2020026810
Date	May 8, 2020
Instrument	2020026810

Lender

Name	TIAA FSB HOLDINGS INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON IN
Property Address	3696 E CARMEL DR, CARMEL, IN 46033-4317
Document Number	0000056732
Instrument Date	Oct 26, 2017
Transaction Type	Mortgage
Record Updated	Feb 2, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3696 E CARMEL DR CARMEL IN 460334317, CARMEL, IN 46033-4317

Mortgage

Document Number	0000056732
Date	Nov 16, 2017
Instrument	56732

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Amount	Amount Recorded

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		$472,600 (+7.02%) Land $113,100 Building $359,500	$472,600 (+7.02%) Land $113,100 Building $359,500
2024	$4,914.00 (+1.07%)	$441,600 (-1.87%) Land $113,100 Building $328,500	$441,600 (-1.87%) Land $113,100 Building $328,500
2023	$4,862.00 (+13.76%) Homeowner's exemption	$450,000 (+19.52%) Land $70,000 Building $380,000	$450,000 (+19.52%) Land $70,000 Building $380,000
2022	$4,274.00 Homeowner's exemption	$376,500 Land $70,000 Building $306,500	$376,500 Land $70,000 Building $306,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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 95% of the US · lower than 68% 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 236 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 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: On-Ramp Indiana.

Cell Coverage

5G (outdoors only) and 4G LTE

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