516 1st Ave SE, Carmel, IN 46032 Property Records

Hamilton County property record for 516 1st Ave SE, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,690 sqft · built 1920
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on Record
Tax Bill	$6,162 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-30-316-012.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-30-316-012.000-018`
Alternative APN	`1610300316012000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,690 sqft Living Area
1st Floor Area	945 sqft
Basement Area	945 sqft
Finished Basement	800 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2000
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Asphalt
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	162 ft deep x 57 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1610300316012000
Street Address	516 1ST AVE SE
City	CARMEL
State	IN
Zip	46032-2114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .21, SECTION 30, TOWNSHIP 18, RANGE 4, GIDEON NEWBY, LOT 10
Legal Range	04
Legal Township	18
Legal Section	30
Legal Subdivision	CARMEL
Legal Lot Number	10
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1026
Census Tract	111007

Owner

Source: Hamilton County records, as of March 4, 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
Co-owner	Co-owner on Record
Mailing Address	516 1ST AVE SE, CARMEL, IN 46032-2114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Warranty Deed, Transfer · ARM MERCHANTS BANK OF INDIANA
Oct 30, 2018	Deed of Trust, Mortgage · Line of Credit LINK FEDERAL CREDIT UNION
Jul 17, 2019	Warranty Deed, Transfer · ARM THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2021
Deed Sale	Apr 19, 2021
Prior Sale	Jul 17, 2019
Deed Document Number	2021029540
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Apr 19, 2021
Property Address	516 1ST AVE SE, CARMEL, IN 46032-2114
Document Number	0000029540
Map Reference	DD 119 PG 10
Instrument Date	Apr 14, 2021
Instrument	2021029540
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 1ST AVE SE, CARMEL, IN 46032-2114

Mortgage

Document Number	0000029541
Date	Apr 19, 2021
Instrument	2021029541

Lender

Name	MERCHANTS BANK OF INDIANA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	8.87%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	516 1ST AVE SE, CARMEL, IN 46032-2114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051271
Date	Oct 30, 2018
Instrument	2018051271

Lender

Name	LINK FEDERAL CREDIT UNION
Type	Non-Lending Institution
Address	INDIANAPOLIS, IN 46224

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	173 Months
Due	Feb 28, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jul 17, 2019
Property Address	516 1ST AVE SE, CARMEL, IN 46032-2114
Document Number	2019031224
Map Reference	DD 119 PG 10
Instrument Date	Jul 6, 2019
Instrument	2019031224
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 1ST AVE SE, CARMEL, IN 46032-2114

Mortgage

Document Number	2019031225
Date	Jul 17, 2019
Instrument	2019031225

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.1%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2034
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.1%
Index	1-Year LIBOR
Max Rate	9.1%

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		$642,500 (+18.52%) Land $186,800 Building $455,700	$642,500 (+18.52%) Land $186,800 Building $455,700
2024	$6,162.00 (+15.52%)	$542,100 (+11.04%) Land $186,800 Building $355,300	$542,100 (+11.04%) Land $186,800 Building $355,300
2023	$5,334.00 (+29.31%) Homeowner's exemption	$488,200 (+33.9%) Land $132,900 Building $355,300	$488,200 (+33.9%) Land $132,900 Building $355,300
2022	$4,125.00	$364,600 Land $132,900 Building $231,700	$364,600 Land $132,900 Building $231,700

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 · 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

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.

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
On-Ramp Indiana Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet, Xfinity.

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