526 Emerson Rd, Carmel, IN 46032 Property Records

Hamilton County property record for 526 Emerson Rd, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,462 sqft · built 1959
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$1,271,508 (Jul 2026)
Tax Bill	$2,391 (2025)
Deeds & Mortgages	Jul 2026 Construction Loan Mar 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-25-402-022.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-25-402-022.000-018`
Alternative APN	`1609250402022000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,462 sqft Living Area
Gross Area	2,034 sqft
1st Floor Area	1,462 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	140 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	526 EMERSON RD
City	CARMEL
State	IN
Zip	46032-4204
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 25, TOWNSHIP 18, RANGE 3, JOHNSON, LOT 10
Legal Range	03
Legal Township	18
Legal Section	25
Legal Subdivision	JOHNSON
Legal Lot Number	10
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2002
Census Tract	111011

Owner

526 Emerson Rd is owned by an individual who bought it in July 2026.

Source: Hamilton County records, as of August 11, 2026

Owner of Record	Individual Name on File
Mailing Address	12825 CHAPEL SQUARE ST, CARMEL, IN 46032-7267
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Quit Claim Deed, Transfer · Construction Mortgage BANK OF INDIANA
Mar 16, 2022	Warranty Deed, Transfer
Jun 27, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2026 · Amount on File
Deed Sale	Jul 29, 2026 · Amount on File
Prior Sale	Jul 15, 2025
Deed Document Number	202634331
Prior Transfer Date	Jul 27, 2026
Prior Transfer Doc	0000034331
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON IN
Recording Date	Jul 29, 2026
Property Address	526 EMERSON RD, CARMEL, IN 46032-4204
Document Number	0000034331
Instrument Date	Jul 27, 2026
Instrument	202634331
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	INDIANA HOME TITLE LLC, INDIANA HOME TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12825 CHAPEL SQUARE ST, CARMEL, IN 46032-7267

Mortgage

Document Number	0000034332,
Date	Jul 29, 2026
Instrument	202634332

Lender

Name	BANK OF INDIANA

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Mar 16, 2022
Property Address	526 EMERSON RD, CARMEL, IN 46032-4204
Document Number	0000013609
Map Reference	MB 2 PG 26-28
Instrument Date	Mar 4, 2022
Instrument	2022013609
Transaction Type	Transfer
Record Updated	May 19, 2023

Transaction

Amount	Amount on Record
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
Address	526 EMERSON RD, CARMEL, IN 46032-4204

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 27, 2019
Property Address	526 EMERSON RD, CARMEL, IN 46032-4204
Document Number	0000027886
Instrument Date	Jun 27, 2019
Instrument	27886
Transaction Type	Transfer
Record Updated	Jul 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 EMERSON RD CARMEL IN 460324204, CARMEL, IN 46032-4204

Tax Assessment & Valuation

The 2025 property tax bill for 526 Emerson Rd was $2,391, down 6% from the year before.

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	$2,391.00 (-5.98%)	$264,700 (+5.16%) Land $87,200 Building $177,500	$264,700 (+5.16%) Land $87,200 Building $177,500
2024	$2,543.00 (+2.96%)	$251,700 (-) Land $87,200 Building $164,500	$251,700 (-) Land $87,200 Building $164,500
2023	$2,470.00 (+27.65%)	$251,700 (+33.25%) Land $87,200 Building $164,500	$251,700 (+33.25%) Land $87,200 Building $164,500
2022	$1,935.00	$188,900 Land $73,300 Building $115,600	$188,900 Land $73,300 Building $115,600

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

Flood

FEMA maps place 526 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.

Wildfire

Wildfire risk around 526 Emerson Rd 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 99.1% of the US · lower than 94% 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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