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428 E Village Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 428 E Village Dr, Carmel, IN 46032

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,944 sqft · built 1976
Lot Size0.41 acres (17,860 sqft)
OwnerIndividual Name on File
Last Sale$245,000 (Jul 2016)
Tax Bill$3,484 (2024)
Deeds & MortgagesApr 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN29-09-23-401-003.000-018

Property Details

APN / Parcel Number

Primary APN29-09-23-401-003.000-018
Alternative APN
  • 1709230401003000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Plumbing Fixtures10 Plumbing Fixtures
Total Rooms11 Rooms
Stories2 Stories
Building Area1,944 sqft Living Area
1st Floor Area1,112 sqft
2nd Floor Area832 sqft
Family RoomFamily Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1978
Architectural StyleOther
Foundation TypeRaised
Roof MaterialAsphalt
Lot Area17,860 sqft (0.41 acres)
Lot Dimensions165 ft deep x 110 ft wide
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
Shed1 Shed
Shed Area160 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
SewerConnected

Location & Zoning

Account Number1709230401003000
Street Address428 E VILLAGE DR
CityCARMEL
StateIN
Zip46032-1164
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionACREAGE .00, SECTION 23, TOWNSHIP 18, RANGE 3, VILLAGE OF MT CARMEL, SECTION 6, LOT 143
Legal Range03
Legal Township18
Legal Section23
Legal SubdivisionVILLAGE OF MOUNT CARMEL SECTION 6
Legal Block6
Legal Lot Number143
JurisdictionHAMILTON IN
Township / Civil DivisionCLAY
Census Block Group3
Census Block3013
Census Tract110906

Owner

428 E Village Dr is owned and occupied by an individual who bought it in July 2016.

Source: Hamilton County records, as of March 4, 2026

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address428 E VILLAGE DR, CARMEL, IN 46032-1164
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 12, 2016 · Amount on File
Deed SaleJul 12, 2016 · Amount on File
Prior SaleJun 7, 2010 · Amount on File
Deed Document Number2016033189
Record UpdatedJun 8, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON IN
Property Address428 E VILLAGE DR, CARMEL, IN 46032-1164
Transaction TypeMortgage
Record UpdatedJun 9, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0000028202
DateApr 13, 2021
Instrument2021028202
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
AddressBRECKSVILLE, OH 44141
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2051

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateIndiana
CountyHamilton County
County SubdivisionClay Township
MunicipalityCarmel City
Unified School DistrictCarmel Clay Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$375,100 (+14.67%) Land $85,500 Building $289,600$375,100 (+14.67%) Land $85,500 Building $289,600
2024$3,484.00 (+0.4%)$327,100 (-2.04%) Land $85,500 Building $241,600$327,100 (-2.04%) Land $85,500 Building $241,600
2023$3,470.00 (+9.64%)$333,900 (+17.2%) Land $85,500 Building $248,400$333,900 (+17.2%) Land $85,500 Building $248,400
2022$3,165.00$284,900 Land $85,500 Building $199,400$284,900 Land $85,500 Building $199,400

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

Flood

FEMA maps place 428 E Village Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 5, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 428 E Village Dr 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 RiskLow
lower than 95% of the US · lower than 68% of Indiana
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCARMEL WATER DEPARTMENT
serves 99,927 people · EPA ID IN5229004
Water SourceGroundwater influenced by surface water
Last State InspectionAug 2024
Lead3 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2024
E. coli
resolved · Oct 2021
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 299 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Metronet
Fiber		5,120 / 5,120
AT&T
Fiber · DSL		5,000 / 5,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Xfinity.

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