Hamilton County property record for 819 Spruce Dr, Carmel, IN 46033
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,528 sqft · built 1990 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,423 (2024) |
| Deeds & Mortgages | Feb 2021 Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-10-20-407-047.000-018 |
| Primary APN | 29-10-20-407-047.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,528 sqft Living Area |
| 1st Floor Area | 1,575 sqft |
| 2nd Floor Area | 1,303 sqft |
| Basement Area | 1,227 sqft |
| Finished Basement | 650 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Architectural Style | Other |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 152 ft deep x 96 ft wide |
| Garage Type | Attached |
| Garage Area | 816 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 1610200407047000 |
|---|---|
| Street Address | 819 SPRUCE DR |
| City | CARMEL |
| State | IN |
| Zip | 46033-8677 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .36, SECTION 20, TOWNSHIP 18, RANGE 4, SMOKEY KNOLL, SECTION 2, LOT 154 |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 20 |
| Legal Subdivision | SMOKEY KNOLL SECTION TWO |
| Legal Block | 2 |
| Legal Lot Number | 154 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 110904 |
819 Spruce Dr is owned and occupied by an individual who acquired it in May 2019.
Source: Hamilton County records, as of March 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 819 SPRUCE DR, CARMEL, IN 46033-8677 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Oct 28, 2019 | Deed of Trust, Mortgage NATIONAL BK/INDIANAPOLIS |
| May 29, 2019 | Warranty Deed, Transfer · Conventional Mortgage HOMETOWN LENDERS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 29, 2019 |
| Deed Sale | May 29, 2019 |
| Prior Sale | Feb 1, 2005 |
| Deed Document Number | 2019022131 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 819 SPRUCE DR, CARMEL, IN 46033-8677 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021010132 |
|---|---|
| Date | Feb 9, 2021 |
| Instrument | 2021010132 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 819 SPRUCE DR, CARMEL, IN 46033-8677 |
| Document Number | 0000054909 |
| Instrument Date | Oct 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2019 |
| Title Company | PINNACLE LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 819 SPRUCE DR CARMEL IN 460338677, CARMEL, IN 46033-8677 |
| Document Number | 0000054909 |
|---|---|
| Date | Nov 1, 2019 |
| Instrument | 54909 |
| Name | NATIONAL BK/INDIANAPOLIS |
|---|---|
| Type | Bank |
| Address | INDIANAPOLIS, IN 46204 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Oct 31, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | May 29, 2019 |
| Property Address | 819 SPRUCE DR, CARMEL, IN 46033-8677 |
| Document Number | 2019022131 |
| Map Reference | MB 14 PG 144-148 |
| Instrument Date | May 24, 2019 |
| Instrument | 2019022131 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2021 |
| Title Company | LANDQUEST TITLE SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 819 SPRUCE DR, CARMEL, IN 46033-8677 |
| Document Number | 2019022132 |
|---|---|
| Date | May 29, 2019 |
| Instrument | 2019022132 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 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 | $632,600 (+12%) Land $128,700 Building $503,900 | $632,600 (+12%) Land $128,700 Building $503,900 | |
| 2024 | $6,423.00 (+15.69%) | $564,800 (+11.4%) Land $128,700 Building $436,100 | $564,800 (+11.4%) Land $128,700 Building $436,100 |
| 2023 | $5,552.00 (+16.57%) Homeowner's exemption | $507,000 (+21.06%) Land $102,800 Building $404,200 | $507,000 (+21.06%) Land $102,800 Building $404,200 |
| 2022 | $4,763.00 Homeowner's exemption | $418,800 Land $102,800 Building $316,000 | $418,800 Land $102,800 Building $316,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 819 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.
The area around 819 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.
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 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 |
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