413 Concord Ln, Carmel, IN 46032 Property Records

Hamilton County property record for 413 Concord Ln, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	7 bd · 3 ba · 2,819 sqft · built 1971
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,300 (Jun 2005)
Tax Bill	$4,464 (2024)
Deeds & Mortgages	Sep 2026 Mortgage Jul 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-10-30-309-006.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-30-309-006.000-018`
Alternative APN	`1610300309006000`

Interior

Bedrooms	7 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	17 Rooms
Stories	2 Stories
Building Area	2,819 sqft Living Area
Gross Area	4,448 sqft
1st Floor Area	3,152 sqft
2nd Floor Area	1,080 sqft
Basement Area	1,000 sqft
Finished Basement	667 sqft
Unfinished Basement	333 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Brick
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	140 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	1,296 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Above-Ground Pool
Pool Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	413 CONCORD LN
City	CARMEL
State	IN
Zip	46032-2238
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 30, TOWNSHIP 18, RANGE 4, CONCORD VILLAGE, SECTION 3, LOT 71
Legal Range	04
Legal Township	18
Legal Section	30
Legal Subdivision	CONCORD VILLAGE SECTION 3
Legal Block	3
Legal Lot Number	71
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1020
Census Tract	111007

Owner

Source: Hamilton County records, as of October 9, 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	413 CONCORD LN, CARMEL, IN 46032-2238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION
Jul 15, 2022	Deed of Trust, Mortgage · Line of Credit TEACHERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2005 · Amount on Record
Deed Sale	Jun 10, 2005 · Amount on Record
Deed Document Number	200536005
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Sep 28, 2026
Property Address	413 CONCORD LN, CARMEL, IN 46032-2238
Document Number	0000044544
Instrument Date	Sep 23, 2026
Instrument	202644544
Transaction Type	Mortgage
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 CONCORD LN, CARMEL, IN 46032-2238

Mortgage

Document Number	0000044544,
Date	Sep 28, 2026
Instrument	202644544

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 28, 2031

Interest

Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	413 CONCORD LN, CARMEL, IN 46032-2238
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035310
Date	Jul 15, 2022
Instrument	2022035310

Lender

Name	TEACHERS CU
Type	Credit Union
Address	SOUTH BEND, IN 46601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 15, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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		$415,300 (+2.39%) Land $64,800 Building $350,500	$415,300 (+2.39%) Land $64,800 Building $350,500
2024	$4,464.00 (+7.05%)	$405,600 (+4.16%) Land $64,800 Building $340,800	$405,600 (+4.16%) Land $64,800 Building $340,800
2023	$4,170.00 (+14.22%) Homeowner's exemption	$389,400 (+20.63%) Land $64,800 Building $324,600	$389,400 (+20.63%) Land $64,800 Building $324,600
2022	$3,651.00	$322,800 Land $64,800 Building $258,000	$322,800 Land $64,800 Building $258,000

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	3 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 85% 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 418 locations within half a mile, as of December 31, 2025

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

May also be available: Metronet, Xfinity.

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