861 Winter Ct, Carmel, IN 46032 Property Records

Hamilton County property record for 861 Winter Ct, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,245 sqft · built 1986
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,788 (2024)
Deeds & Mortgages	Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-09-24-105-013.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-24-105-013.000-018`
Alternative APN	`1709240105013000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,245 sqft Living Area
1st Floor Area	2,245 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	23,958 sqft (0.55 acres)
Garage Type	Attached
Garage Area	568 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1709240105013000
Street Address	861 WINTER CT
City	CARMEL
State	IN
Zip	46032-5213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .55, SECTION 24, TOWNSHIP 18, RANGE 3, HUNTER'S CREEK VILLAGE, SECTION 4, LOT 150
Legal Range	03
Legal Township	18
Legal Section	24
Legal Subdivision	HUNTERS CR VILLAGE
Legal Block	4
Legal Lot Number	150
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1012
Census Tract	110906

Owner

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 WINTER CT, CARMEL, IN 46032-5213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 1999
Deed Sale	Jan 22, 1999
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	861 WINTER CT, CARMEL, IN 46032-5213
Document Number	0000057218
Instrument Date	Nov 7, 2019
Transaction Type	Mortgage
Record Updated	Dec 4, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/OREGON

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	861 WINTER CT CARMEL IN 460325213, CARMEL, IN 46032-5213

Mortgage

Document Number	0000057218
Date	Nov 13, 2019
Instrument	57218

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2049

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		$420,100 (+8.33%) Land $111,500 Building $308,600	$420,100 (+8.33%) Land $111,500 Building $308,600
2024	$3,788.00 (+6.26%)	$387,800 (+13.33%) Land $111,500 Building $276,300	$387,800 (+13.33%) Land $111,500 Building $276,300
2023	$3,565.00 (+0.48%) Homeowner's exemption	$342,200 (+1%) Land $96,100 Building $246,100	$342,200 (+1%) Land $96,100 Building $246,100
2022	$3,548.00	$311,100 Land $96,100 Building $215,000	$311,100 Land $96,100 Building $215,000

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

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 85% 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.

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 268 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20