400 Emerson Rd, Carmel, IN 46032 Property Records

Hamilton County property record for 400 Emerson Rd, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,535 sqft · built 1959
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,785 (2024)
Deeds & Mortgages	Apr 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-09-25-402-006.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-25-402-006.000-018`
Alternative APN	`1609250402006000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,535 sqft Living Area
1st Floor Area	1,535 sqft
Family Room	Family Room

Exterior

Year Built	Built 1959
Architectural Style	Other
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	138 ft deep x 95 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1609250402006000
Street Address	400 EMERSON RD
City	CARMEL
State	IN
Zip	46032-4202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .36, SECTION 25, TOWNSHIP 18, RANGE 3
Legal Range	03
Legal Township	18
Legal Section	25
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2002
Census Tract	111011

Owner

Source: Hamilton County records · APN 29-09-25-402-006.000-018

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	400 EMERSON RD, CARMEL, IN 46032-4202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	400 EMERSON RD, CARMEL, IN 46032-4202
Transaction Type	Mortgage
Record Updated	Apr 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 EMERSON RD, CARMEL, IN 46032-4202

Mortgage

Document Number	0000017001
Date	Apr 04, 2022
Instrument	2022017001

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	CARMEL, IN 46032

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 26, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated July 1, 2025 · Last verified March 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

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		$390,700 (+11.25%) Land $224,500 Building $166,200	$390,700 (+11.25%) Land $224,500 Building $166,200
2024	$3,785.00 (+31.24%)	$351,200 (+22.58%) Land $224,500 Building $126,700	$351,200 (+22.58%) Land $224,500 Building $126,700
2023	$2,884.00 (+8.14%)	$286,500 (+17.42%) Land $159,800 Building $126,700	$286,500 (+17.42%) Land $159,800 Building $126,700
2022	$2,667.00	$244,000 Land $159,800 Building $84,200	$244,000 Land $159,800 Building $84,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 5, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	3 in force

Wildfire

Wildfire Risk	Not rated no burnable land within 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Verizon, Xfinity.

Based on FCC filings for 401 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CARMEL WATER DEPARTMENT serves 99,927 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.