Hamilton County property record for 861 Bridle Cir, Carmel, IN 46032
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,020 sqft · built 1984 |
| Lot Size | 0.389 acres (16,988 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,940 (2024) |
| Deeds & Mortgages | Feb 2026 Mortgage Sep 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-09-24-101-054.000-018 |
| Primary APN | 29-09-24-101-054.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,020 sqft Living Area |
| 1st Floor Area | 1,136 sqft |
| 2nd Floor Area | 884 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Stone |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 16,988 sqft (0.389 acres) |
| Lot Dimensions | 158 ft deep x 93 ft wide |
| Terrain | High |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1709240101054000 |
|---|---|
| Street Address | 861 BRIDLE CIR |
| City | CARMEL |
| State | IN |
| Zip | 46032-1287 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .39, SECTION 24, TOWNSHIP 18, RANGE 3, HUNTER'S CREEK VILLAGE, SECTION 1, LOT 54 |
| Legal Range | 03 |
| Legal Township | 18 |
| Legal Section | 24 |
| Legal Subdivision | CARMEL HUNTERS CRK |
| Legal Block | 1 |
| Legal Lot Number | 54 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 110906 |
Source: Hamilton County records, as of March 4, 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 Record |
|---|---|
| Mailing Address | 861 BRIDLE CIR, CARMEL, IN 46032-1287 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 2, 2026 | Deed of Trust, Mortgage · FHA Mortgage IMPERIUM LENDING LLC |
| Sep 15, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Mar 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 861 BRIDLE CIR, CARMEL, IN 46032-1287 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 861 BRIDLE CIR, CARMEL, IN 46032-1287 |
| Document Number | 0000004257 |
|---|---|
| Date | Feb 2, 2026 |
| Instrument | 2026004257 |
| Name | IMPERIUM LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48084 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 861 BRIDLE CIR, CARMEL, IN 46032-1287 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000035472 |
|---|---|
| Date | Sep 15, 2023 |
| Instrument | 2023035472 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 861 BRIDLE CIR, CARMEL, IN 46032-1287 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 2021015743 |
|---|---|
| Date | Mar 1, 2021 |
| Instrument | 2021015743 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 175 Months |
| Due | Oct 1, 2035 |
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 | $378,400 (+5.11%) Land $106,200 Building $272,200 | $378,400 (+5.11%) Land $106,200 Building $272,200 | |
| 2024 | $3,940.00 (+19.25%) | $360,000 (+12.29%) Land $106,200 Building $253,800 | $360,000 (+12.29%) Land $106,200 Building $253,800 |
| 2023 | $3,304.00 (-0.21%) Homeowner's exemption | $320,600 (+9.87%) Land $91,600 Building $229,000 | $320,600 (+9.87%) Land $91,600 Building $229,000 |
| 2022 | $3,311.00 | $291,800 Land $91,600 Building $200,200 | $291,800 Land $91,600 Building $200,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Jun 1978 · tidal / storm surge |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Indiana |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 241 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 · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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