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445 Sapphire Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 445 Sapphire Dr, Carmel, IN 46032

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 3,160 sqft · built 2002
Lot Size0.35 acres (15,246 sqft)
Owner2 Trust Names on File
Last Sale$549,900 (Mar 2022)
Tax Bill$5,640 (2024)
Deeds & MortgagesJul 2026 Transfer
Mar 2022 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN29-09-14-407-018.000-015

Property Details

APN / Parcel Number

Primary APN29-09-14-407-018.000-015
Alternative APNs
  • 290914407018000029
  • 0809140407018000

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures14 Plumbing Fixtures
Total Rooms5 Rooms
Stories1 Story
Building Area3,160 sqft Living Area
Gross Area4,802 sqft
1st Floor Area2,303 sqft
2nd Floor Area662 sqft
Basement Area1,157 sqft
Finished Basement857 sqft
Unfinished Basement300 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Construction TypeBrick
Foundation TypeRaised
Roof MaterialAsphalt
Lot Area15,246 sqft (0.35 acres)
Lot Dimensions152 ft deep x 100 ft wide
Garage TypeAttached
Garage Area1,342 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerConnected

Location & Zoning

Street Address445 SAPPHIRE DR
CityCARMEL
StateIN
Zip46032-7412
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionACREAGE .35, SECTION 14, TOWNSHIP 18, RANGE 3, VILLAGE FARMS, SECTION 18, LOT 755, IRREGULAR SHAPE
Legal Range03
Legal Township18
Legal Section14
Legal SubdivisionVILLAGE FARMS SECTION 18
Legal Lot Number755
JurisdictionHAMILTON IN
Township / Civil DivisionWESTFIELD WASHINGTON
Census Block Group2
Census Block2043
Census Tract110404

Owner

445 Sapphire Dr is owner-occupied and held in a trust since July 2026.

Source: Hamilton County records, as of July 21, 2026

Owner of Record2 Trust Names on File
Mailing Address445 SAPPHIRE DR, CARMEL, IN 46032-7412
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

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

DateDocument
Jul 8, 2026Quit Claim Deed, Transfer
NONE LISTED ON DOCUMENT
Mar 16, 2022Warranty Deed, Transfer · Conventional Mortgage
RUOFF MORTGAGE COMPANY INC
Nov 30, 2020Deed of Trust, Mortgage · Conventional Mortgage
AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 16, 2022 · Amount on File
Deed SaleMar 16, 2022 · Amount on File
Prior SaleOct 26, 2016 · Amount on File
Deed Document Number202213705
Last Transfer DateJul 3, 2026
Transfer Doc0000030700
Record UpdatedOct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHAMILTON IN
Recording DateJul 8, 2026
Property Address445 SAPPHIRE DR, CARMEL, IN 46032-7412
Document Number0000030700
Instrument DateJul 3, 2026
Instrument202630700
Transaction TypeTransfer
Record UpdatedAug 31, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address445 SAPPHIRE DR, CARMEL, IN 46032-7412

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHAMILTON IN
Recording DateMar 16, 2022
Property Address445 SAPPHIRE DR, CARMEL, IN 46032-7412
Document Number0000013705
Map ReferenceDOC 200100007024
Instrument DateMar 14, 2022
Instrument2022013705
Transaction TypeTransfer
Record UpdatedMay 19, 2023
Title CompanyMTC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressIN

Transferred To (Grantee/Buyer)

NameVerified Name
Address445 SAGANIRE DRIVE, CARMEL, IN 46032

Mortgage

Document Number0000013706
DateMar 16, 2022
Instrument2022013706
Lender
NameRUOFF MORTGAGE COMPANY INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2052

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHAMILTON IN
Property Address445 SAPPHIRE DR, CARMEL, IN 46032-7412
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000087380
DateNov 30, 2020
Instrument2020087380
Lender
NameAMERISAVE MORTGAGE CORP
TypeMortgage Company
AddressATLANTA, GA 30305
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2050

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 16, 2026

Property Jurisdictions

TypeName
StateIndiana
CountyHamilton County
County SubdivisionWestfield Washington Township
MunicipalityWestfield City
Unified School DistrictWestfield-Washington Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$515,300 (+4.61%) Land $85,900 Building $429,400$515,300 (+4.61%) Land $85,900 Building $429,400
2024$5,640.00 (+7.06%)$492,600 (+6.44%) Land $75,300 Building $417,300$492,600 (+6.44%) Land $75,300 Building $417,300
2023$5,268.00 (+13.44%) Homeowner's exemption$462,800 (+17.19%) Land $75,300 Building $387,500$462,800 (+17.19%) Land $75,300 Building $387,500
2022$4,644.00 Homeowner's exemption$394,900 Land $75,300 Building $319,600$394,900 Land $75,300 Building $319,600

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

Flood

FEMA maps place 445 Sapphire 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 445 Sapphire 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 RiskLow
lower than 98% of the US · lower than 85% of Indiana
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCITIZENS WATER OF WESTFIELD, LLC
private · serves 61,493 people · EPA ID IN5229009
Water SourceGroundwater
Last State InspectionApr 2024
Lead3 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 227 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Metronet
Fiber		5,120 / 5,120
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless · DSL · Fiber in parts of the area		100 / 20

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