437 Sheets Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 437 Sheets Dr, Carmel, IN 46032

Property Summary

Property Type	Condominium
Details	2.5 ba · 1,844 sqft · built 2003
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on Record
Last Sale	$423,272 (May 2026)
Tax Bill	$2,925 (2024)
Deeds & Mortgages	May 2026 Sale & Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-09-26-013-011.002-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-26-013-011.002-018`
Alternative APN	`1609260013011002`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	1,844 sqft Living Area
Gross Area	2,644 sqft
1st Floor Area	1,844 sqft
2nd Floor Area	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2014
Architectural Style	Row Home
Construction Type	Brick
Roof Material	Asphalt
Lot Area	1,307 sqft (0.03 acres)
Garage Type	Attached
Garage Area	800 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	437 SHEETS DR
City	CARMEL
State	IN
Zip	46032-4652
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	ACREAGE .03, SECTION 26, TOWNSHIP 18, RANGE 3, PROVIDENCE AT OLD MERIDIAN, REPLAT INFORMATION: BLOCKS 2-18, PHASE 2, LOT 1102, BLOCK 11
Legal Range	03
Legal Township	18
Legal Section	26
Legal Subdivision	PROVIDENCE AT OLD MERIDIAN
Legal Block	2-18,
Legal Lot Number	1102
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1005
Census Tract	111012

Owner

Source: Hamilton County records, as of June 10, 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
Mailing Address	437 SHEETS DR, CARMEL, IN 46032-4652
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE
Jun 23, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026 · Amount on Record
Deed Sale	May 28, 2026 · Amount on Record
Prior Sale	Jun 23, 2021 · Amount on Record
Deed Document Number	202623786
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	May 28, 2026
Property Address	437 SHEETS DR, CARMEL, IN 46032-4652
Document Number	0000023786
Instrument Date	May 28, 2026
Instrument	202623786
Transaction Type	Transfer
Record Updated	Jun 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 SHEETS DR, CARMEL, IN 46032-4652

Mortgage

Document Number	0000023787,
Date	May 28, 2026
Instrument	202623787

Lender

Name	RUOFF MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 23, 2021
Property Address	437 SHEETS DR, CARMEL, IN 46032-4652
Document Number	0000046237
Instrument Date	Jun 18, 2021
Instrument	2021046237
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	MTC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 SHEETS DR, CARMEL, IN 46032-4652

Mortgage

Document Number	0000046238
Date	Jun 23, 2021
Instrument	2021046238

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

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		$296,600 (+5.51%) Land $74,200 Building $222,400	$296,600 (+5.51%) Land $74,200 Building $222,400
2024	$2,925.00 (+8.7%)	$281,100 (+3.92%) Land $74,200 Building $206,900	$281,100 (+3.92%) Land $74,200 Building $206,900
2023	$2,691.00 (+2.79%)	$270,500 (+13.09%) Land $74,200 Building $196,300	$270,500 (+13.09%) Land $74,200 Building $196,300
2022	$2,618.00	$239,200 Land $66,800 Building $172,400	$239,200 Land $66,800 Building $172,400

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 97% of the US · lower than 78% 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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