910 Oswego Rd, Carmel, IN 46032 Property Records

Hamilton County property record for 910 Oswego Rd, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,792 sqft · built 2019
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Oct 2018)
Tax Bill	$15,404 (2024)
Deeds & Mortgages	Apr 2020 Transfer Dec 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-31-109-006.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-31-109-006.000-018`
Alternative APN	`1610310109006000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	4,792 sqft Living Area
1st Floor Area	3,340 sqft
Basement Area	2,258 sqft
Finished Basement	1,452 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	233 ft deep x 86 ft wide
Garage Type	Attached
Garage Area	1,047 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1610310109006000
Street Address	910 OSWEGO RD
City	CARMEL
State	IN
Zip	46032-2645
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 31, TOWNSHIP 18, RANGE 4, NEWARK, LOT 93
Legal Range	04
Legal Township	18
Legal Section	31
Legal Subdivision	CARMEL NEWARK
Legal Lot Number	93
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2015
Census Tract	111007

Owner

910 Oswego Rd is owned and occupied by an individual who acquired it in April 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	910 OSWEGO RD, CARMEL, IN 46032-2645
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

Date	Document
Apr 17, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 30, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage STAR FINANCIAL BANK
Oct 24, 2018	Warranty Deed, Transfer HAMILTON NATIONAL TITLE LLC, HAMILTON NAT'L TITLE LLC
Aug 13, 2018	Warranty Deed, Transfer · Commercial Mortgage CIBM BANK
Dec 14, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2018 · Amount on File
Deed Sale	Oct 24, 2018 · Amount on File
Prior Sale	Dec 30, 2019
Deed Document Number	0000050361
Last Transfer Date	Apr 17, 2020
Transfer Doc	0000020866
Record Updated	Jun 8, 2026

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON IN
Recording Date	Apr 17, 2020
Property Address	910 OSWEGO RD, CARMEL, IN 46032-2645
Document Number	0000020866
Instrument Date	Apr 14, 2020
Instrument	20866
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	910 OSWEGO RD CARMEL IN 460322645, CARMEL, IN 46032-2645

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON IN
Recording Date	Dec 30, 2019
Property Address	910 OSWEGO RD, CARMEL, IN 46032-2645
Document Number	2019066427
Map Reference	DD 129 PG 549
Instrument Date	Dec 23, 2019
Instrument	2019066427
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 OSWEGO RD, CARMEL, IN 46032-2645
Investor	Possibly a Property Investor

Mortgage

Document Number	2019066428
Date	Dec 30, 2019
Instrument	2019066428

Lender

Name	STAR FINANCIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	8%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 24, 2018
Property Address	910 OSWEGO RD, CARMEL, IN 46032-2645
Document Number	0000050361
Instrument Date	Oct 23, 2018
Instrument	50361
Transaction Type	Transfer
Record Updated	Dec 9, 2020
Title Company	HAMILTON NATIONAL TITLE LLC, HAMILTON NAT'L TITLE LLC

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	13021 CRICKLEWOOD CT CARMEL IN 460332302, CARMEL, IN 46033-2302

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 13, 2018
Property Address	910 OSWEGO RD, CARMEL, IN 46032-2645
Document Number	2018037261
Instrument Date	Aug 10, 2018
Instrument	2018037261
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 OSWEGO RD, CARMEL, IN 46032-2645

Mortgage

Document Number	2018037262
Date	Aug 13, 2018
Instrument	2018037262

Lender

Name	CIBM BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 10, 2019

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Dec 14, 2017
Property Address	910 OSWEGO RD, CARMEL, IN 46032-2645
Document Number	0000061422
Instrument Date	Dec 11, 2017
Instrument	61422
Transaction Type	Transfer
Record Updated	Feb 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	910 OSWEGO RD CARMEL IN 460322645, CARMEL, IN 46032-2645

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		$1,421,900 (+7.03%) Land $168,100 Building $1,253,800	$1,421,900 (+7.03%) Land $168,100 Building $1,253,800
2024	$15,404.00 (+6.17%)	$1,328,500 (+5.2%) Land $168,100 Building $1,160,400	$1,328,500 (+5.2%) Land $168,100 Building $1,160,400
2023	$14,509.00 (-3.34%) Homeowner's exemption	$1,262,800 (-2.02%) Land $168,100 Building $1,094,700	$1,262,800 (-2.02%) Land $168,100 Building $1,094,700
2022	$15,011.00 Homeowner's exemption	$1,288,900 Land $149,700 Building $1,139,200	$1,288,900 Land $149,700 Building $1,139,200

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

Flood

FEMA maps place 910 Oswego Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2011.

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
Nearby Flood Claims	5 (2011–2015)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jul 2015 · other causes

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

Wildfire risk around 910 Oswego Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 68% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

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

May also be available: Metronet, Xfinity.

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