Hamilton County property record for 685 W 146th St, Carmel, IN 46032
| Property Type | Row House |
|---|---|
| Details | 3 bd · 2 ba · 2,316 sqft · built 1974 |
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,986 (2024) |
| Deeds & Mortgages | Jul 2020 Mortgage Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-09-24-000-006.000-018 |
| Primary APN | 29-09-24-000-006.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,316 sqft Living Area |
| 1st Floor Area | 2,316 sqft |
| Basement Area | 2,316 sqft |
| Family Room | Family Room |
| Year Built | Built 1974 |
|---|---|
| Architectural Style | Row End or Row Middle |
| Roof Material | Asphalt |
| Lot Area | 25,265 sqft (0.58 acres) |
| Lot Dimensions | 272 ft deep x 117 ft wide |
| Garage Type | Detached |
| Garage Area | 858 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1709240000006000 |
|---|---|
| Street Address | 685 W 146TH ST |
| City | CARMEL |
| State | IN |
| Zip | 46032-1013 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Row House |
| Legal Description | ACREAGE .00, SECTION 24, TOWNSHIP 18, RANGE 3 |
| Legal Range | 03 |
| Legal Township | 18 |
| Legal Section | 24 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 110906 |
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 |
|---|---|
| Mailing Address | 685 W 146TH ST, CARMEL, IN 46032-1013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 22, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM HM MTG |
| Jul 15, 2019 | Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 15, 2019 |
| Deed Sale | Jul 15, 2019 |
| Prior Sale | Sep 30, 2010 · Amount on Record |
| Deed Document Number | 2019030762 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 685 W 146TH ST, CARMEL, IN 46032-1013 |
| Document Number | 0000048403 |
| Instrument Date | Jul 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2020 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 685-691 W 146TH ST CARMEL IN 460321013, CARMEL, IN 46032-1013 |
| Document Number | 0000048403 |
|---|---|
| Date | Jul 27, 2020 |
| Instrument | 48403 |
| Name | FREEDOM HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 26, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Jul 15, 2019 |
| Property Address | 685 W 146TH ST, CARMEL, IN 46032-1013 |
| Document Number | 2019030762 |
| Instrument Date | Jun 27, 2019 |
| Instrument | 2019030762 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 685 W 146TH ST, CARMEL, IN 46032-1013 |
| Document Number | 2019030763 |
|---|---|
| Date | Jul 15, 2019 |
| Instrument | 2019030763 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
Source: Hamilton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Clay Township |
| Municipality | Carmel City |
| Unified School District | Carmel Clay Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $456,500 (+2.03%) Land $99,500 Building $357,000 | $456,500 (+2.03%) Land $99,500 Building $357,000 | |
| 2024 | $4,986.00 (+10.04%) | $447,400 (+5.87%) Land $99,500 Building $347,900 | $447,400 (+5.87%) Land $99,500 Building $347,900 |
| 2023 | $4,531.00 (+12.57%) Homeowner's exemption | $422,600 (+19.28%) Land $74,700 Building $347,900 | $422,600 (+19.28%) Land $74,700 Building $347,900 |
| 2022 | $4,025.00 | $354,300 Land $74,700 Building $279,600 | $354,300 Land $74,700 Building $279,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Jun 1978 · tidal / storm surge |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 273 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · Fixed Wireless · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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