854 Enclave Cir, Carmel, IN 46032 Property Records

Hamilton County property record for 854 Enclave Cir, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,121 sqft · built 1994
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Tax Bill	$3,117 (2024)
Deeds & Mortgages	May 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-10-30-415-044.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-30-415-044.000-018`
Alternative APN	`1610300415044000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,121 sqft Living Area
1st Floor Area	1,378 sqft
2nd Floor Area	743 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	6,098 sqft (0.139 acres)
Lot Dimensions	126 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	69 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1610300415044000
Street Address	854 ENCLAVE CIR
City	CARMEL
State	IN
Zip	46032-2375
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .14, SECTION 30, TOWNSHIP 18, RANGE 4, ENCLAVE OF CARMEL, LOT 44
Legal Range	04
Legal Township	18
Legal Section	30
Legal Subdivision	THE ENCLAVE OF CARMEL
Legal Lot Number	44
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1021
Census Tract	111007

Owner

854 Enclave Cir is owned and occupied by an individual who acquired it in June 2008.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	854 ENCLAVE CIR, CARMEL, IN 46032-2375
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2008
Deed Sale	Jun 18, 2008
Prior Sale	Mar 16, 2007
Deed Document Number	2008032029
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	854 ENCLAVE CIR, CARMEL, IN 46032-2375
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	854 ENCLAVE CIR, CARMEL, IN 46032-2375

Mortgage

Document Number	0000018321
Date	May 22, 2023
Instrument	2023018321

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 6, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$321,700 (+8.06%) Land $102,300 Building $219,400	$321,700 (+8.06%) Land $102,300 Building $219,400
2024	$3,117.00 (+3.21%)	$297,700 (-) Land $102,300 Building $195,400	$297,700 (-) Land $102,300 Building $195,400
2023	$3,020.00 (-14.23%) Homeowner's exemption	$297,700 (-4.18%) Land $102,300 Building $195,400	$297,700 (-4.18%) Land $102,300 Building $195,400
2022	$3,521.00	$310,700 Land $86,100 Building $224,600	$310,700 Land $86,100 Building $224,600

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

Flood

FEMA maps place 854 Enclave Cir 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	3 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 854 Enclave Cir 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 340 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
On-Ramp Indiana Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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