778 Winter Ct, Carmel, IN 46032 Property Records

Hamilton County property record for 778 Winter Ct, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,135 sqft · built 1986
Lot Size	0.489 acres (21,344 sqft)
Owner	2 Company Names on File
Last Sale	$475,000 (Oct 2022)
Tax Bill	$4,870 (2024)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-09-24-105-004.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-24-105-004.000-018`
Alternative APN	`1709240105004000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,135 sqft Living Area
1st Floor Area	1,269 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	21,344 sqft (0.489 acres)
Lot Dimensions	129 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1709240105004000
Street Address	778 WINTER CT
City	CARMEL
State	IN
Zip	46032-5273
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .49, SECTION 24, TOWNSHIP 18, RANGE 3, HUNTER'S CREEK VILLAGE, SECTION 4, LOT 159
Legal Range	03
Legal Township	18
Legal Section	24
Legal Subdivision	HUNTERS CR VILLAGE
Legal Block	4
Legal Lot Number	159
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1012
Census Tract	110906

Owner

Source: Hamilton County records · APN 29-09-24-105-004.000-018

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 Company Names on File
Co-owner	Verified Secondary Owner
Mailing Address	778 WINTER CT, CARMEL, IN 46032-5273
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Oct 18, 2022 · Amount on Record
Deed Sale	Oct 18, 2022 · Amount on Record
Prior Sale	Oct 18, 2022 · Amount on Record
Deed Document Number	0000050692
Last Transfer Date	Jan 07, 2025
Transfer Doc	0000000447
Record Updated	Jun 08, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 18, 2022
Property Address	778 WINTER CT, CARMEL, IN 46032-5273
Document Number	0000050692
Map Reference	MB 12 PG 28
Instrument Date	Sep 30, 2022
Instrument	2022050692
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	QUALITY TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	778 WINTER CT, CARMEL, IN 46032-5273
Investor	Possibly a Property Investor

Mortgage

Document Number	0000050693
Date	Oct 18, 2022
Instrument	2022050693

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2052

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		$470,500 (+8.29%) Land $110,500 Building $360,000	$470,500 (+8.29%) Land $110,500 Building $360,000
2024	$4,870.00 (+19.6%)	$434,500 (+13.09%) Land $110,500 Building $324,000	$434,500 (+13.09%) Land $110,500 Building $324,000
2023	$4,072.00 (+3.06%) Homeowner's exemption	$384,200 (+10.47%) Land $95,300 Building $288,900	$384,200 (+10.47%) Land $95,300 Building $288,900
2022	$3,951.00	$347,800 Land $95,300 Building $252,500	$347,800 Land $95,300 Building $252,500

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	3 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Jun 1978 · tidal / storm surge

Wildfire

Wildfire Risk	Not rated no burnable land within 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
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 241 locations within half a mile of this property.

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.