862 Enclave Cir, Carmel, IN 46032 Property Records

Hamilton County property record for 862 Enclave Cir, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,139 sqft · built 1999
Lot Size	0.389 acres (16,988 sqft)
Owner	2 Owner Names on Record
Tax Bill	$4,055 (2024)
Deeds & Mortgages	Nov 2019 Line of Credit Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-10-30-415-046.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-30-415-046.000-018`
Alternative APN	`1610300415046000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,139 sqft Living Area
1st Floor Area	1,581 sqft
Basement Area	1,474 sqft
Finished Basement	1,474 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	16,988 sqft (0.389 acres)
Lot Dimensions	207 ft deep x 16 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1610300415046000
Street Address	862 ENCLAVE CIR
City	CARMEL
State	IN
Zip	46032-2375
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .39, SECTION 30, TOWNSHIP 18, RANGE 4, ENCLAVE OF CARMEL, LOT 46
Legal Range	04
Legal Township	18
Legal Section	30
Legal Subdivision	THE ENCLAVE OF CAMEL
Legal Lot Number	46
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1021
Census Tract	111007

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 Owner Names on Record
Mailing Address	862 ENCLAVE CIR, CARMEL, IN 46032-2375
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND
Nov 7, 2019	Deed of Trust, Mortgage THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2013
Deed Sale	Apr 2, 2013
Prior Sale	Mar 20, 2002
Deed Document Number	0000020195
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	862 ENCLAVE CIR, CARMEL, IN 46032-2375
Document Number	0000063614
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Jan 16, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	862 ENCLAVE CIR CARMEL IN 460322375, CARMEL, IN 46032-2375

Mortgage

Document Number	0000063614
Date	Dec 16, 2019
Instrument	63614

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 15, 2049

Interest

Rate Type	Adjustable Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	862 ENCLAVE CIR, CARMEL, IN 46032-2375
Document Number	0000058239
Instrument Date	Nov 7, 2019
Transaction Type	Mortgage
Record Updated	Dec 12, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	862 ENCLAVE CIR CARMEL IN 460322375, CARMEL, IN 46032-2375

Mortgage

Document Number	0000058239
Date	Nov 19, 2019
Instrument	58239

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 18, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.39%

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		$403,000 (+8.1%) Land $114,100 Building $288,900	$403,000 (+8.1%) Land $114,100 Building $288,900
2024	$4,055.00 (+3.23%)
2023	$3,928.00 (+10.9%) Homeowner's exemption	$372,800 (+19.3%) Land $114,100 Building $258,700	$372,800 (+19.3%) Land $114,100 Building $258,700
2022	$3,542.00	$312,500 Land $96,100 Building $216,400	$312,500 Land $96,100 Building $216,400

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

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	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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