654 Emerson Rd, Carmel, IN 46032 Property Records

Hamilton County property record for 654 Emerson Rd, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,159 sqft · built 1960
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,690 (2024)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-09-25-303-009.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-25-303-009.000-018`
Alternative APN	`1609250303009000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,159 sqft Living Area
1st Floor Area	1,159 sqft
Family Room	Family Room

Exterior

Year Built	Built 1960
Architectural Style	Other
Exterior Material	Brick/Stone
Construction Type	Wood
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	115 ft deep x 155 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1609250303009000
Street Address	654 EMERSON RD
City	CARMEL
State	IN
Zip	46032-2025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 25, TOWNSHIP 18, RANGE 3, JOHNSON, SECTION 2, LOT 54
Legal Range	03
Legal Township	18
Legal Section	25
Legal Subdivision	CARMEL JOHNSON
Legal Block	2
Legal Lot Number	54
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2003
Census Tract	111011

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	2 Individual Names on Record
Mailing Address	654 EMERSON RD, CARMEL, IN 46032-2025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2015
Deed Sale	Sep 30, 2015
Deed Document Number	0000052478
Last Transfer Date	Oct 7, 2015
Transfer Doc	0000052478
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	654 EMERSON RD, CARMEL, IN 46032-2025
Document Number	0000092581
Instrument Date	Dec 11, 2020
Transaction Type	Mortgage
Record Updated	Jan 15, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	654 EMERSON RD CARMEL IN 460322025, CARMEL, IN 46032-2025

Mortgage

Document Number	0000092581
Date	Dec 17, 2020
Instrument	92581

Lender

Name	FORUM CU
Type	Credit Union
Address	FISHERS, IN 46038

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2050

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		$273,900 (+3.95%) Land $106,900 Building $167,000	$273,900 (+3.95%) Land $106,900 Building $167,000
2024	$2,690.00 (+2.95%)	$263,500 (-) Land $106,900 Building $156,600	$263,500 (-) Land $106,900 Building $156,600
2023	$2,613.00 (+29.36%)	$263,500 (+31.82%) Land $106,900 Building $156,600	$263,500 (+31.82%) Land $106,900 Building $156,600
2022	$2,020.00	$199,900 Land $89,900 Building $110,000	$199,900 Land $89,900 Building $110,000

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	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 189 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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