431 Windham Pass, Carmel, IN 46032 Property Records

Hamilton County property record for 431 Windham Pass, Carmel, IN 46032

Property Summary

Property Type	Condominium
Details	4 ba · 2,232 sqft · built 2003
Lot Size	0.039 acres (1,742 sqft)
Owner	Individual Name on Record
Tax Bill	$3,063 (2024)
Deeds & Mortgages	Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-09-26-014-017.002-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-26-014-017.002-018`
Alternative APN	`1609260014017002`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	2,232 sqft Living Area
1st Floor Area	456 sqft
2nd Floor Area	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Architectural Style	Row End or Row Middle
Roof Material	Asphalt
Lot Area	1,742 sqft (0.039 acres)
Lot Dimensions	67 ft deep x 24 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1609260014017002
Street Address	431 WINDHAM PASS
City	CARMEL
State	IN
Zip	46032-4653
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	ACREAGE .04, SECTION 26, TOWNSHIP 18, RANGE 3, PROVIDENCE AT OLD MERIDIAN, REPLAT INFORMATION: BLOCK 17, PHASE 2, LOT 1702, B
Legal Subdivision	PROVIDENCE AT OLD MERIDIAN PHASE TWO
Legal Block	17
Legal Lot Number	1702
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1002
Census Tract	111012

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	431 WINDHAM PASS, CARMEL, IN 46032-4653
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2018
Deed Sale	Nov 7, 2018
Prior Sale	Sep 8, 2006
Deed Document Number	2018052619
Record Updated	Jun 8, 2026

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Nov 7, 2018
Property Address	431 WINDHAM PASS, CARMEL, IN 46032-4653
Document Number	2018052619
Instrument Date	Oct 30, 2018
Instrument	2018052619
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 WINDHAM PASS, CARMEL, IN 46032-4653

Mortgage

Document Number	2018052620
Date	Nov 7, 2018
Instrument	2018052620

Lender

Name	THE NATIONAL BANK OF INDIANAPOLIS
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Nov 1, 2033
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	10%
Index	1-Year LIBOR
Max Rate	10%

Tax Assessment & Valuation

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

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		$311,600 (+6.64%) Land $74,200 Building $237,400	$311,600 (+6.64%) Land $74,200 Building $237,400
2024	$3,063.00 (+7.4%)	$292,200 (+2.96%) Land $74,200 Building $218,000	$292,200 (+2.96%) Land $74,200 Building $218,000
2023	$2,852.00 (+5.01%)	$283,800 (+13.02%) Land $74,200 Building $209,600	$283,800 (+13.02%) Land $74,200 Building $209,600
2022	$2,716.00	$251,100 Land $66,800 Building $184,300	$251,100 Land $66,800 Building $184,300

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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 181 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Metronet, Verizon, Xfinity.

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