3864 Cornwallis Ln, Carmel, IN 46032 Property Records

Hamilton County property record for 3864 Cornwallis Ln, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,495 sqft · built 1996
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$321,937 (Aug 2026)
Tax Bill	$6,860 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-06-005-030.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-06-005-030.000-018`
Alternative APNs	`291306005030000034` `1713060005030000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,495 sqft Living Area
Gross Area	2,041 sqft
1st Floor Area	1,495 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2010
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	170 ft deep x 52.1 ft wide
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3864 CORNWALLIS LN
City	CARMEL
State	IN
Zip	46032-9348
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .24, SECTION 6, TOWNSHIP 17, RANGE 3, VILLAGE AT WESTON PLACE, SECTION 2, LOT 65
Legal Range	03
Legal Township	17
Legal Section	06
Legal Subdivision	VILLAGE AT WESTON PLACE SECTION 2
Legal Lot Number	65
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1021
Census Tract	111010

Owner

3864 Cornwallis Ln is owned and occupied by two individuals who bought it in August 2026.

Source: Hamilton County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3864 CORNWALLIS LN, CARMEL, IN 46032-9348
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Sep 17, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST FINANCIAL BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2026 · Amount on File
Deed Sale	Aug 4, 2026 · Amount on File
Prior Sale	Sep 17, 2019 · Amount on File
Deed Document Number	202635066
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 4, 2026
Property Address	3864 CORNWALLIS LN, CARMEL, IN 46032-9348
Document Number	0000035066
Instrument Date	Jul 30, 2026
Instrument	202635066
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3864 CORNWALLIS LN, CARMEL, IN 46032-9348

Mortgage

Document Number	0000035067,
Date	Aug 4, 2026
Instrument	202635067

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Sep 17, 2019
Property Address	3864 CORNWALLIS LN, CARMEL, IN 46032-9348
Document Number	2019044582
Map Reference	CAB1SL686DOC9626949
Instrument Date	Sep 11, 2019
Instrument	2019044582
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3864 CORNWALLIS LN, CARMEL, IN 46032-9348

Mortgage

Document Number	2019044583
Date	Sep 17, 2019
Instrument	2019044583

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2024
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	6.5%
Index	5-Year CMT
Margin	3
Max Rate	10.5%

Tax Assessment & Valuation

The 2025 property tax bill for 3864 Cornwallis Ln was $6,860, down 3.6% from the year before.

Source: Hamilton County assessment roll, as of March 16, 2026

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	$6,860.00 (-3.64%)	$361,900 (+1.54%) Land $94,800 Building $267,100	$361,900 (+1.54%) Land $94,800 Building $267,100
2024	$7,119.00 (-1.52%)	$356,400 (-0.61%) Land $94,800 Building $261,600	$356,400 (-0.61%) Land $94,800 Building $261,600
2023	$7,229.00 (+8.79%)	$358,600 (+11.3%) Land $77,100 Building $281,500	$358,600 (+11.3%) Land $77,100 Building $281,500
2022	$6,645.00	$322,200 Land $77,100 Building $245,100	$322,200 Land $77,100 Building $245,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3864 Cornwallis Ln in Zone X, an area of minimal flood risk.

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	7 in force

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

Wildfire risk around 3864 Cornwallis Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% 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 195 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, Xiber.

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