Hamilton County property record for 438 Emerson Rd, Carmel, IN 46032
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,480 sqft · built 1957 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,620 (2024) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-09-25-402-011.000-018 |
| Primary APN | 29-09-25-402-011.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,480 sqft Living Area |
| 1st Floor Area | 1,480 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Lot Dimensions | 135 ft deep x 167 ft wide |
| Garage Type | Attached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Shed | 1 Shed |
| Shed Area | 81 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 1609250402011000 |
|---|---|
| Street Address | 438 EMERSON RD |
| City | CARMEL |
| State | IN |
| Zip | 46032-4202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .00, SECTION 25, TOWNSHIP 18, RANGE 3, JOHNSON, LOT 21, IRREGULAR SHAPE |
| Legal Range | 03 |
| Legal Township | 18 |
| Legal Section | 25 |
| Legal Subdivision | CARMEL JOHNSON |
| Legal Lot Number | 21 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 111011 |
438 Emerson Rd is owned and occupied by two individuals.
Source: Hamilton County records, as of March 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 438 EMERSON RD, CARMEL, IN 46032-4202 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 438 EMERSON RD, CARMEL, IN 46032-4202 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000056252 |
|---|---|
| Date | Aug 20, 2020 |
| Instrument | 2020056252 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
Source: Hamilton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Clay Township |
| Municipality | Carmel City |
| Unified School District | Carmel Clay Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $269,200 (+4.38%) Land $93,100 Building $176,100 | $269,200 (+4.38%) Land $93,100 Building $176,100 | |
| 2024 | $2,620.00 (+2.99%) | $257,900 (-) Land $93,100 Building $164,800 | $257,900 (-) Land $93,100 Building $164,800 |
| 2023 | $2,544.00 (+35.61%) | $257,900 (+36.31%) Land $93,100 Building $164,800 | $257,900 (+36.31%) Land $93,100 Building $164,800 |
| 2022 | $1,876.00 | $189,200 Land $78,300 Building $110,900 | $189,200 Land $78,300 Building $110,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 Emerson Rd in Zone X, an area of minimal flood risk.
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.
The area around 438 Emerson Rd has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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