Hamilton County property record for 3831 Ayers Ln, Carmel, IN 46033
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,456 sqft · built 2000 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $515,000 (Dec 2025) |
| Tax Bill | $4,886 (2024) |
| Deeds & Mortgages | Aug 2022 Mortgage Apr 2025 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-10-17-004-049.000-015 |
| Primary APN | 29-10-17-004-049.000-015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 3,456 sqft Living Area |
| 1st Floor Area | 1,419 sqft |
| 2nd Floor Area | 1,036 sqft |
| Attic | Attic |
| Attic Area | 440 sqft |
| Basement Area | 1,122 sqft |
| Finished Basement | 561 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Architectural Style | Other |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 138 ft deep x 87 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0810170004049000 |
|---|---|
| Street Address | 3831 AYERS LN |
| City | CARMEL |
| State | IN |
| Zip | 46033-8412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .28, SECTION 17, TOWNSHIP 18, RANGE 4, SETTERS RUN, SECTION 3, LOT 163, IRREGULAR SHAPE |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 17 |
| Legal Subdivision | SETTERS RUN SECTION THREE |
| Legal Block | 3 |
| Legal Lot Number | 163 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | WESTFIELD WASHINGTON |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 110515 |
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 | 3831 AYERS LN, CARMEL, IN 46033-8412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 17, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Apr 15, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 2, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 23, 2025 | Warranty Deed, Transfer · Conventional Mortgage FIRST OPTION MORTGAGE LLC |
| Jan 28, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 8, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2025 · Amount on Record |
| Deed Sale | Dec 23, 2025 · Amount on Record |
| Prior Sale | Dec 27, 2016 |
| Deed Document Number | 2025055762 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 3831 AYERS LN, CARMEL, IN 46033-8412 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000040758 |
|---|---|
| Date | Aug 17, 2022 |
| Instrument | 2022040758 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 3831 AYERS LN, CARMEL, IN 46033-8412 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3831 AYERS LN, CARMEL, IN 46033-8412 |
| Document Number | 0000013986 |
|---|---|
| Date | Apr 15, 2025 |
| Instrument | 2025013986 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 354 Months |
| Due | Oct 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 3831 AYERS LN, CARMEL, IN 46033-8412 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000023573 |
|---|---|
| Date | Jul 2, 2024 |
| Instrument | 2024023573 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Dec 23, 2025 |
| Property Address | 3831 AYERS LN, CARMEL, IN 46033-8412 |
| Document Number | 0000055762 |
| Map Reference | DOC 9950775 |
| Instrument Date | Dec 19, 2025 |
| Instrument | 2025055762 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2026 |
| Title Company | ENTERPRISE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3831 AYERS LN, CARMEL, IN 46033-8412 |
| Document Number | 0000055763 |
|---|---|
| Date | Dec 23, 2025 |
| Instrument | 2025055763 |
| Name | FIRST OPTION MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 3831 AYERS LN, CARMEL, IN 46033-8412 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000004646 |
|---|---|
| Date | Jan 28, 2020 |
| Instrument | 2020004646 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Feb 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 3831 AYERS LN, CARMEL, IN 46033-8412 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001503 |
|---|---|
| Date | Jan 8, 2021 |
| Instrument | 2021001503 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Feb 1, 2045 |
Source: Hamilton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Westfield Washington Township |
| Municipality | Westfield City |
| Unified School District | Westfield-Washington Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $467,200 (+8.02%) Land $85,000 Building $382,200 | $467,200 (+8.02%) Land $85,000 Building $382,200 | |
| 2024 | $4,886.00 (+3.45%) | $432,500 (+4.07%) Land $61,200 Building $371,300 | $432,500 (+4.07%) Land $61,200 Building $371,300 |
| 2023 | $4,723.00 (+12.56%) Homeowner's exemption | $415,600 (+14.65%) Land $61,200 Building $354,400 | $415,600 (+14.65%) Land $61,200 Building $354,400 |
| 2022 | $4,196.00 Homeowner's exemption | $362,500 Land $61,200 Building $301,300 | $362,500 Land $61,200 Building $301,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2022 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 78% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITIZENS WATER OF WESTFIELD, LLC private · serves 61,493 people · EPA ID IN5229009 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 271 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
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