531 E Village Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 531 E Village Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,300 sqft · built 1977
Lot Size	0.91 acres (39,640 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,619 (2024)
Deeds & Mortgages	Jan 2026 Transfer Aug 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-09-23-402-020.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-23-402-020.000-018`
Alternative APN	`1709230402020000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,300 sqft Living Area
Gross Area	3,450 sqft
1st Floor Area	2,300 sqft
2nd Floor Area	850 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Frame
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	39,640 sqft (0.91 acres)
Lot Dimensions	356 ft deep x 94.7 ft wide
Terrain	High
Garage Type	Attached
Garage Area	1,150 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	531 E VILLAGE DR
City	CARMEL
State	IN
Zip	46032-1165
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 23, TOWNSHIP 18, RANGE 3, VILLAGE OF MT CARMEL, SECTION 6, LOT 304, IRREGULAR SHAPE
Legal Range	03
Legal Township	18
Legal Section	23
Legal Subdivision	VILLAGE OF MT CARMEL SECTION 6
Legal Block	6
Legal Lot Number	304
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3014
Census Tract	110906

Owner

531 E Village Dr is owned and occupied by two individuals who acquired it in January 2026.

Source: Hamilton County records, as of October 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	531 E VILLAGE DR, CARMEL, IN 46032-1165
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Transfer on Death Deed, Transfer
Aug 15, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 20, 2026
Transfer Doc	0000002343
Record Updated	Oct 29, 2026

January 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON IN
Recording Date	Jan 20, 2026
Property Address	531 E VILLAGE DR, CARMEL, IN 46032-1165
Document Number	0000002343
Map Reference	MB 5 PG 106-109
Instrument Date	Jan 20, 2026
Instrument	2026002343
Transaction Type	Transfer
Record Updated	Feb 2, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	531 E VILLAGE DR, CARMEL, IN 46032-1165

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	531 E VILLAGE DR, CARMEL, IN 46032-1165
Transaction Type	Mortgage
Record Updated	Sep 5, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 E VILLAGE DR, CARMEL, IN 46032-1165

Mortgage

Document Number	0000031022
Date	Aug 15, 2023
Instrument	2023031022

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 25, 2053

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		$434,100 (+14.9%) Land $102,200 Building $331,900	$434,100 (+14.9%) Land $102,200 Building $331,900
2024	$3,619.00 (+3.67%)	$377,800 (-) Land $102,200 Building $275,600	$377,800 (-) Land $102,200 Building $275,600
2023	$3,491.00 (+5.66%)	$377,800 (+14.66%) Land $102,200 Building $275,600	$377,800 (+14.66%) Land $102,200 Building $275,600
2022	$3,304.00	$329,500 Land $102,200 Building $227,300	$329,500 Land $102,200 Building $227,300

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

Flood

FEMA maps place 531 E Village Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 5, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 531 E Village 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 95% of the US · lower than 68% 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 299 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	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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