4991 E Main St, Carmel, IN 46033 Property Records

Hamilton County property record for 4991 E Main St, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,690 sqft · built 1940
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$438,478 (Aug 2026)
Tax Bill	$2,584 (2024)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Oct 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-28-000-045.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-28-000-045.000-018`
Alternative APN	`1610280000045000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,690 sqft Living Area
Gross Area	3,008 sqft
1st Floor Area	922 sqft
Basement Area	768 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asphalt
Lot Area	26,136 sqft (0.6 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	4991 E MAIN ST
City	CARMEL
State	IN
Zip	46033-9819
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .60, SECTION 28, TOWNSHIP 18, RANGE 4
Legal Subdivision	CARMEL
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1010
Census Tract	110912

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	4991 E MAIN ST, CARMEL, IN 46033-9819
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Warranty Deed, Transfer · VA Mortgage USAA FSB
Oct 27, 2023	Warranty Deed, Transfer
Jun 29, 2023	Warranty Deed, Transfer
Feb 23, 2021	Personal Representative Deed, Transfer · Conventional Mortgage HALLMARK HOME MORTGAGE LLC
Nov 19, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 7, 2026 · Amount on Record
Deed Sale	Aug 7, 2026 · Amount on Record
Prior Sale	Oct 27, 2023 · Amount on Record
Deed Document Number	202635981
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 7, 2026
Property Address	4991 E MAIN ST, CARMEL, IN 46033-9819
Document Number	0000035981
Instrument Date	Jul 27, 2026
Instrument	202635981
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	4991 E MAIN ST, CARMEL, IN 46033-9819

Mortgage

Document Number	0000035982,
Date	Aug 7, 2026
Instrument	202635982

Lender

Name	USAA FSB

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 27, 2023
Property Address	4991 E MAIN ST, CARMEL, IN 46033-9819
Document Number	0000041277
Instrument Date	Sep 7, 2023
Instrument	2023041277
Transaction Type	Transfer
Record Updated	Apr 17, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CIVIC SQ, CARMEL, IN 46032-2584

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 29, 2023
Property Address	4991 E MAIN ST, CARMEL, IN 46033-9819
Document Number	0000024158
Instrument Date	Jun 28, 2023
Instrument	2023024158
Transaction Type	Transfer
Record Updated	Aug 18, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	201 E MISSISS PPI AVE #536 # 536, 536, COLORADO SPRINGS, CO 80902

February 2021: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	HAMILTON IN
Recording Date	Feb 23, 2021
Property Address	4991 E MAIN ST, CARMEL, IN 46033-9819
Document Number	0000014173
Instrument Date	Feb 18, 2021
Instrument	2021014173
Transaction Type	Transfer
Record Updated	Aug 18, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4991 E MAIN ST, CARMEL, IN 46033-9819

Mortgage

Document Number	0000014174
Date	Feb 23, 2021
Instrument	2021014174

Lender

Name	HALLMARK HOME MORTGAGE LLC
Type	Mortgage Company
Address	46828

Agreement

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

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	4991 E MAIN ST, CARMEL, IN 46033-9819
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054301
Date	Nov 19, 2018
Instrument	2018054301

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	444 Months
Due	Nov 6, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$130,700 (+3.16%) Land $76,700 Building $54,000	$130,700 (+3.16%) Land $76,700 Building $54,000
2024	$2,584.00 (+20.58%)	$126,700 (+19.19%) Land $76,700 Building $50,000	$126,700 (+19.19%) Land $76,700 Building $50,000
2023	$2,143.00 (-4.63%)	$106,300 (+10.38%) Land $56,300 Building $50,000	$106,300 (+10.38%) Land $56,300 Building $50,000
2022	$2,247.00 (-23.68%)	$96,300 Land $56,300 Building $40,000	$96,300 Land $56,300 Building $40,000
2021	$2,944.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · above 40% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Xfinity.

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