799 Spruce Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 799 Spruce Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,567 sqft · built 1992
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Last Sale	$475,000 (Sep 2021)
Tax Bill	$6,776 (2024)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-10-20-407-045.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-20-407-045.000-018`
Alternative APN	`1610200407045000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	18 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,567 sqft Living Area
1st Floor Area	1,634 sqft
2nd Floor Area	1,468 sqft
Basement Area	620 sqft
Finished Basement	465 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	159 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Pool Area	585 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1610200407045000
Street Address	799 SPRUCE DR
City	CARMEL
State	IN
Zip	46033-9496
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .36, SECTION 20, TOWNSHIP 18, RANGE 4, SMOKEY KNOLL, SECTION 2, LOT 152
Legal Range	04
Legal Township	18
Legal Section	20
Legal Subdivision	SMOKEY KNOLL
Legal Block	2
Legal Lot Number	152
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2000
Census Tract	110904

Owner

799 Spruce Dr is owned and occupied by an individual who bought it in September 2021.

Source: Hamilton County records, as of March 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	799 SPRUCE DR, CARMEL, IN 46033-9496
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2021 · Amount on File
Deed Sale	Sep 24, 2021 · Amount on File
Deed Document Number	2021069930
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Sep 24, 2021
Property Address	799 SPRUCE DR, CARMEL, IN 46033-9496
Document Number	0000069930
Map Reference	MB 14 PG 144-147
Instrument Date	Sep 22, 2021
Instrument	2021069930
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	CENTURION LAND TITLE INC

Transaction

Amount	Amount on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	799 SPRUCE DR, CARMEL, IN 46033-9496

Mortgage

Document Number	0000069931
Date	Sep 24, 2021
Instrument	2021069931

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

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		$696,200 (+10.39%) Land $128,700 Building $567,500	$696,200 (+10.39%) Land $128,700 Building $567,500
2024	$6,776.00 (+31.6%)	$630,700 (+22.39%) Land $128,700 Building $502,000	$630,700 (+22.39%) Land $128,700 Building $502,000
2023	$5,149.00 (+11.09%)	$515,300 (+18.79%) Land $102,800 Building $412,500	$515,300 (+18.79%) Land $102,800 Building $412,500
2022	$4,635.00	$433,800 Land $102,800 Building $331,000	$433,800 Land $102,800 Building $331,000

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

Flood

FEMA maps place 799 Spruce Dr in Zone X, an area of minimal flood risk.

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	1 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

The area around 799 Spruce Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 351 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	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20