734 W Main St, Carmel, IN 46032 Property Records

Hamilton County property record for 734 W Main St, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,148 sqft · built 1956
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on Record
Last Sale	$412,300 (Jun 2026)
Tax Bill	$2,744 (2024)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Apr 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-25-102-044.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-25-102-044.000-018`
Alternative APN	`1609250102044000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,148 sqft Living Area
1st Floor Area	1,148 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1974
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	170 ft deep x 110 ft wide
Garage Type	Detached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	734 W MAIN ST
City	CARMEL
State	IN
Zip	46032-1428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 25, TOWNSHIP 18, RANGE 3, CHRISTIES THORNHURST, SECTION 1, LOT 10
Legal Range	03
Legal Township	18
Legal Section	25
Legal Subdivision	CHRISTIES THORNHURST SECTION 1
Legal Block	1
Legal Lot Number	10
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2008
Census Tract	110905

Owner

Source: Hamilton County records, as of July 7, 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	734 W MAIN ST, CARMEL, IN 46032-1428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Quit Claim Deed, Transfer · Conventional Mortgage INDIANA MEMBERS CREDIT UNION
Apr 7, 2020	Warranty Deed, Transfer · Conventional Mortgage INDIANA MEMBERS CU
Apr 6, 2018	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Nov 15, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 15, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2026 · Amount on Record
Deed Sale	Jun 24, 2026 · Amount on Record
Prior Sale	Apr 7, 2020 · Amount on Record
Deed Document Number	202628271
Prior Transfer Date	Nov 15, 2017
Prior Transfer Doc	0000056644
Record Updated	Sep 20, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 24, 2026
Property Address	734 W MAIN ST, CARMEL, IN 46032-1428
Document Number	0000028271
Instrument Date	Jun 18, 2026
Instrument	202628271
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 W MAIN ST, CARMEL, IN 46032-1428

Mortgage

Document Number	0000028272,
Date	Jun 24, 2026
Instrument	202628272

Lender

Name	INDIANA MEMBERS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Apr 7, 2020
Property Address	734 W MAIN ST, CARMEL, IN 46032-1428
Document Number	2020018506
Instrument Date	Mar 31, 2020
Instrument	2020018506
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	CENTURION LAND TITLE INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 W MAIN ST, CARMEL, IN 46032-1428

Mortgage

Document Number	2020018507
Date	Apr 7, 2020
Instrument	2020018507

Lender

Name	INDIANA MEMBERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2040

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Apr 6, 2018
Property Address	734 W MAIN ST, CARMEL, IN 46032-1428
Document Number	2018014771
Map Reference	MB2 PG59&60
Instrument Date	Mar 29, 2018
Instrument	2018014771
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	734 W MAIN ST, CARMEL, IN 46032-1428

Mortgage

Document Number	2018014772
Date	Apr 6, 2018
Instrument	2018014772

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON IN
Recording Date	Nov 15, 2017
Property Address	734 W MAIN ST, CARMEL, IN 46032-1428
Document Number	0000056644
Instrument Date	Nov 15, 2017
Instrument	56644
Transaction Type	Transfer
Record Updated	Feb 2, 2018
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
Relationship	Joint Tenants with Right of Survivorship
Address	140 1ST AVE NE CARMEL IN 460321708, CARMEL, IN 46032-1708

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 15, 2017
Property Address	734 W MAIN ST, CARMEL, IN 46032-1428
Document Number	0000039608
Instrument Date	Aug 9, 2017
Instrument	39608
Transaction Type	Transfer
Record Updated	Dec 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 1ST AVE NE CARMEL IN 460321708, CARMEL, IN 46032-1708

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		$274,200 (+2.39%) Land $166,800 Building $107,400	$274,200 (+2.39%) Land $166,800 Building $107,400
2024	$2,744.00 (+3.24%)	$267,800 (-) Land $166,800 Building $101,000	$267,800 (-) Land $166,800 Building $101,000
2023	$2,658.00 (-2.14%)	$267,800 (+8.46%) Land $166,800 Building $101,000	$267,800 (+8.46%) Land $166,800 Building $101,000
2022	$2,716.00	$246,900 Land $103,200 Building $143,700	$246,900 Land $103,200 Building $143,700

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 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 97% of the US · lower than 78% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 288 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: Haywire, Verizon, Xfinity.

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