645 Carson Ct, Carmel, IN 46033 Property Records

Hamilton County property record for 645 Carson Ct, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,348 sqft · built 1977
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,695 (2024)
Deeds & Mortgages	Jul 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`29-10-20-403-004.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-20-403-004.000-018`
Alternative APN	`1610200403004000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,348 sqft Living Area
1st Floor Area	1,520 sqft
2nd Floor Area	828 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	159 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	1610200403004000
Street Address	645 CARSON CT
City	CARMEL
State	IN
Zip	46033-9744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 20, TOWNSHIP 18, RANGE 4, JOHNSON ACRES, LOT 70
Legal Range	04
Legal Township	18
Legal Section	20
Legal Subdivision	JOHNSON ACRES
Legal Lot Number	70
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2002
Census Tract	110904

Owner

Source: Hamilton County records · APN 29-10-20-403-004.000-018

Assessment roll updated July 1, 2025 · Last verified March 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	645 CARSON CT, CARMEL, IN 46033-9744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 11, 1996
Deed Sale	Oct 11, 1996
Record Updated	Jun 08, 2026

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON IN
Property Address	645 CARSON CT, CARMEL, IN 46033-9744
Document Number	0000034934
Instrument Date	Jul 13, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 CARSON CT CARMEL IN 460339744, CARMEL, IN 46033-9744

Mortgage

Document Number	0000034934
Date	Jul 31, 2018
Instrument	34934

Lender

Name	OLD NAT'L BK
Type	Bank
Address	CARMEL, IN 46032

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jul 30, 2028

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated July 1, 2025 · Last verified March 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$361,200 (+5%) Land $101,100 Building $260,100	$361,200 (+5%) Land $101,100 Building $260,100
2024	$3,695.00 (+3.04%)
2023	$3,586.00 (+5.97%) Homeowner's exemption	$344,000 (+15.32%) Land $101,100 Building $242,900	$344,000 (+15.32%) Land $101,100 Building $242,900
2022	$3,384.00 Homeowner's exemption	$298,300 Land $87,300 Building $211,000	$298,300 Land $87,300 Building $211,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 5, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	1 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Based on FCC filings for 328 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CARMEL WATER DEPARTMENT serves 99,927 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.