442 Atherton Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 442 Atherton Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,757 sqft · built 1997
Lot Size	0.089 acres (3,920 sqft)
Owner	Owner Name on File
Tax Bill	$2,366 (2024)
Deeds & Mortgages	Feb 2023 Mortgage Mar 2017 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-25-408-004.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-25-408-004.000-018`
Alternative APN	`1609250408004000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,757 sqft Living Area
1st Floor Area	672 sqft
2nd Floor Area	1,085 sqft

Exterior

Year Built	Built 1997
Architectural Style	Other
Roof Material	Asphalt
Lot Area	3,920 sqft (0.089 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1609250408004000
Street Address	442 ATHERTON DR
City	CARMEL
State	IN
Zip	46032-2095
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .09, SECTION 25, TOWNSHIP 18, RANGE 3, PARKSIDE VILLAGE, SECTION 2, LOT 21
Legal Range	03
Legal Township	18
Legal Section	25
Legal Subdivision	PARKSIDE VILLAGE SECTION 2
Legal Block	2
Legal Lot Number	21
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2006
Census Tract	111011

Owner

The current owner of 442 Atherton Dr acquired it in February 2004.

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

Owner of Record	Owner Name on File
Mailing Address	442 ATHERTON DR, CARMEL, IN 46032-2095
Occupancy	Owner Occupied

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

Date	Document
Feb 2, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Mar 27, 2017	Loan Modification, Mortgage · FHA Mortgage US BK
Mar 27, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Oct 16, 2003
Last Transfer Date	Feb 12, 2004
Transfer Doc	0000009354
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	442 ATHERTON DR, CARMEL, IN 46032-2095
Transaction Type	Mortgage
Record Updated	Feb 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 ATHERTON DR, CARMEL, IN 46032-2095

Mortgage

Document Number	0000003412
Date	Feb 2, 2023
Instrument	2023003412

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	289 Months
Due	Mar 1, 2047

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON IN
Property Address	442 ATHERTON DR, CARMEL, IN 46032-2095
Document Number	0000021108
Instrument Date	Mar 27, 2017
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	LOAN MODIFICATION SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 ATHERTON DR CARMEL IN 460322095, CARMEL, IN 46032-2095

Mortgage

Document Number	0000021108
Date	May 10, 2017
Instrument	21108

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 9, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	442 ATHERTON DR, CARMEL, IN 46032-2095
Document Number	0000019048
Instrument Date	Mar 27, 2017
Transaction Type	Mortgage
Record Updated	Jun 6, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 ATHERTON DR CARMEL IN 460322095, CARMEL, IN 46032-2095

Mortgage

Document Number	0000019048
Date	May 2, 2017
Instrument	19048

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

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		$251,700 (+5.98%) Land $70,800 Building $180,900	$251,700 (+5.98%) Land $70,800 Building $180,900
2024	$2,366.00 (+18.24%)	$237,500 (+11.24%) Land $70,800 Building $166,700	$237,500 (+11.24%) Land $70,800 Building $166,700
2023	$2,001.00 (-6.71%)	$213,500 (+4.15%) Land $70,800 Building $142,700	$213,500 (+4.15%) Land $70,800 Building $142,700
2022	$2,145.00	$205,000 Land $49,100 Building $155,900	$205,000 Land $49,100 Building $155,900

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

Flood

FEMA maps place 442 Atherton Dr 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.

Wildfire

Wildfire risk around 442 Atherton 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 Risk	Low lower than 98% of the US · lower than 85% 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 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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