3862 Vail Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 3862 Vail Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,994 sqft · built 1980
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Oct 2020)
Tax Bill	$4,955 (2024)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-14-08-304-026.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-14-08-304-026.000-018`
Alternative APN	`1614080304026000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,994 sqft Living Area
1st Floor Area	1,750 sqft
2nd Floor Area	1,244 sqft
Basement Area	1,140 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	183 ft deep x 86 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1614080304026000
Street Address	3862 VAIL DR
City	CARMEL
State	IN
Zip	46033-4150
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 8, TOWNSHIP 17, RANGE 4, BRIAR LANE ESTATES, SECTION 3, LOT 90
Legal Range	04
Legal Township	17
Legal Section	08
Legal Subdivision	BRIAR LANE ESTATE
Legal Lot Number	90
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3012
Census Tract	111101

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	2 Individual Names on Record
Mailing Address	3862 VAIL DR, CARMEL, IN 46033-4150
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Nov 20, 2020	Deed of Trust, Mortgage · Line of Credit ROUSH REAL ESTATE LLC
Oct 28, 2020	Warranty Deed, Transfer CHICAGO TITLE CARMEL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2020 · Amount on Record
Deed Sale	Oct 28, 2020 · Amount on Record
Deed Document Number	2020077913
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	3862 VAIL DR, CARMEL, IN 46033-4150
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	CENTURION LAND TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000095624
Date	Dec 29, 2020
Instrument	2020095624

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	3862 VAIL DR, CARMEL, IN 46033-4150
Document Number	0000087251
Instrument Date	Nov 20, 2020
Transaction Type	Mortgage
Record Updated	Dec 30, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3862 VAIL DR CARMEL IN 460334150, CARMEL, IN 46033-4150

Mortgage

Document Number	0000087251
Date	Nov 30, 2020
Instrument	87251

Lender

Name	ROUSH REAL ESTATE LLC
Address	525 DAVID BROWN DR, WESTFIELD, IN 46074-5600

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2050

Interest

Rate Type	Adjustable Rate

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 28, 2020
Property Address	3862 VAIL DR, CARMEL, IN 46033-4150
Document Number	0000077913
Instrument Date	Oct 22, 2020
Instrument	77913
Transaction Type	Transfer
Record Updated	Apr 19, 2021
Title Company	CHICAGO TITLE CARMEL

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3862 VAIL DR CARMEL IN 460334150, CARMEL, IN 46033-4150

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		$481,500 (+8.23%) Land $147,700 Building $333,800	$481,500 (+8.23%) Land $147,700 Building $333,800
2024	$4,955.00 (+16.95%)	$444,900 (+11.7%) Land $147,700 Building $297,200	$444,900 (+11.7%) Land $147,700 Building $297,200
2023	$4,237.00 (+5.95%) Homeowner's exemption	$398,300 (+12.93%) Land $70,100 Building $328,200	$398,300 (+12.93%) Land $70,100 Building $328,200
2022	$3,999.00 Homeowner's exemption	$352,700 Land $70,100 Building $282,600	$352,700 Land $70,100 Building $282,600

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	8 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2017 · 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 96% of the US · lower than 73% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

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