430 1st Ave SE, Carmel, IN 46032 Property Records

Hamilton County property record for 430 1st Ave SE, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 3,186 sqft · built 2020
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Oct 2019)
Tax Bill	$10,938 (2024)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2020 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-30-316-004.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-30-316-004.000-018`
Alternative APN	`1610300316004000`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	20 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,186 sqft Living Area
Gross Area	4,927 sqft
1st Floor Area	1,120 sqft
2nd Floor Area	611 sqft
Basement Area	1,128 sqft
Finished Basement	665 sqft
Unfinished Basement	463 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	150 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	430 1ST AVE SE
City	CARMEL
State	IN
Zip	46032-2112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .20, SECTION 30, TOWNSHIP 18, RANGE 4, FOSTERS ADDITION, REPLAT INFORMATION: LOTS 9, 10, & PT 11, LOT 1
Legal Range	04
Legal Township	18
Legal Section	30
Legal Subdivision	FOSTERS ADDITION
Legal Lot Number	9
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1009
Census Tract	111007

Owner

Source: Hamilton County records, as of June 2, 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	430 1ST AVE SE, CARMEL, IN 46032-2112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2021	Deed of Trust, Mortgage · VA Mortgage MJM FINANCIAL LLC
Nov 23, 2020	Deed of Trust, Mortgage · Construction Mortgage FIRST FEDERAL SAVINGS BANK
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL SAVINGS BANK
Oct 22, 2019	Warranty Deed, Transfer · VA Mortgage MJW FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2019 · Amount on Record
Deed Sale	Oct 22, 2019 · Amount on Record
Deed Document Number	201952529
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	430 1ST AVE SE, CARMEL, IN 46032-2112
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065427
Date	Sep 8, 2021
Instrument	2021065427

Lender

Name	MJM FINANCIAL LLC
Type	Non-Lending Institution
Address	INDIANAPOLIS, IN 46240

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	430 1ST AVE SE, CARMEL, IN 46032-2112
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020085481
Date	Nov 23, 2020
Instrument	2020085481

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank
Address	46675

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	371 Months
Due	Oct 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	430 1ST AVE SE, CARMEL, IN 46032-2112
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020078282
Date	Oct 29, 2020
Instrument	2020078282

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank
Address	45975

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	6.75%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 22, 2019
Property Address	430 1ST AVE SE, CARMEL, IN 46032-2112
Document Number	2019052529
Instrument Date	Oct 15, 2019
Instrument	2019052529
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	430 1ST AVE SE, CARMEL, IN 46032-2112

Mortgage

Document Number	2019052530
Date	Oct 22, 2019
Instrument	2019052530

Lender

Name	MJW FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

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		$999,600 (+4.54%) Land $140,300 Building $859,300	$999,600 (+4.54%) Land $140,300 Building $859,300
2024	$10,938.00 (+4.94%)	$956,200 (-10.9%) Land $140,300 Building $815,900	$956,200 (-10.9%) Land $140,300 Building $815,900
2023	$10,423.00 (+14.21%) Homeowner's exemption	$1,073,200 (+34.55%) Land $140,300 Building $932,900	$1,073,200 (+34.55%) Land $140,300 Building $932,900
2022	$9,126.00	$797,600 Land $140,300 Building $657,300	$797,600 Land $140,300 Building $657,300

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	Not rated no burnable land within 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 401 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet 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 Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

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