832 Spruce Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 832 Spruce Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,674 sqft · built 1991
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$562,257 (Aug 2020)
Tax Bill	$6,530 (2024)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-10-20-407-006.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-20-407-006.000-018`
Alternative APN	`1610200407006000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,674 sqft Living Area
Gross Area	5,115 sqft
1st Floor Area	4,279 sqft
Attic	Attic
Attic Area	418 sqft
Basement Area	749 sqft
Finished Basement	562 sqft
Unfinished Basement	187 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Brick
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	133 ft deep x 97.9 ft wide
Garage Type	Attached
Garage Area	836 sqft
Parking Spaces	2 Parking Spaces
Pool Area	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	832 SPRUCE DR
City	CARMEL
State	IN
Zip	46033-8309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .32, SECTION 20, TOWNSHIP 18, RANGE 4, SMOKEY KNOLL, SECTION 2, LOT 114
Legal Range	04
Legal Township	18
Legal Section	20
Legal Subdivision	SMOKEY KNOLL SECTION 2
Legal Block	2
Legal Lot Number	114
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3015
Census Tract	110904

Owner

Source: Hamilton County assessment roll, APN 29-10-20-407-006.000-018, as of March 16, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	832 SPRUCE DR, CARMEL, IN 46033-8309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 04, 2020 · Amount on Record
Deed Sale	Aug 04, 2020 · Amount on Record
Prior Sale	Mar 28, 2011 · Amount on Record
Deed Document Number	202051395
Prior Transfer Date	Jan 06, 2010
Prior Transfer Doc	0000001301
Record Updated	Jun 08, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 04, 2020
Property Address	832 SPRUCE DR, CARMEL, IN 46033-8309
Document Number	2020051395
Map Reference	MB 14 PG 144-147
Instrument Date	Jul 28, 2020
Instrument	2020051395
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	MTC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	832 SPRUCE DR, CARMEL, IN 46033-8309

Mortgage

Document Number	2020051396
Date	Aug 04, 2020
Instrument	2020051396

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2050

Tax Assessment & Valuation

Source: Hamilton County assessment roll as of March 16, 2026 · Last verified April 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		$642,200 (+24.24%) Land $124,600 Building $517,600	$642,200 (+24.24%) Land $124,600 Building $517,600
2024	$6,530.00 (+13.6%)
2023	$5,748.00 (+15.84%) Homeowner's exemption	$516,900 (+20.8%) Land $99,600 Building $417,300	$516,900 (+20.8%) Land $99,600 Building $417,300
2022	$4,962.00 Homeowner's exemption	$427,900 Land $99,600 Building $328,300	$427,900 Land $99,600 Building $328,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hamilton County (18057C), as of October 5, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 180571109043, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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	2 in force

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 78% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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, 351 locations within half a mile, 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	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system IN5229004, 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.