9681 Elm Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 9681 Elm Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,856 sqft · built 1977
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Jun 2023)
Tax Bill	$2,122 (2024)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-08-301-006.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-08-301-006.000-018`
Alternative APNs	`291308301006000034` `1713080301006000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	1,856 sqft Living Area
1st Floor Area	956 sqft
2nd Floor Area	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	150 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1713080301006000
Old Parcel Number	291308301006000034
Street Address	9681 ELM DR
City	CARMEL
State	IN
Zip	46032-9631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .43, SECTION 8, TOWNSHIP 17, RANGE 3, GREEN TREE COUNTRY CLUB ESTATES, SECTION 3, LOT 15
Legal Range	03
Legal Township	17
Legal Section	08
Legal Subdivision	GREEN TREE COUNTRY CLUB
Legal Lot Number	15
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2026
Census Tract	111103

Owner

9681 Elm Dr is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	9681 ELM DR, CARMEL, IN 46032-9631
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	3 Names on Deed
Last Sale	Jun 20, 2023 · Amount on File
Deed Sale	Jun 20, 2023 · Amount on File
Prior Sale	Dec 20, 2005
Deed Document Number	2023022462
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 20, 2023
Property Address	9681 ELM DR, CARMEL, IN 46032-9631
Document Number	0000022462
Map Reference	MB 297 PG 392
Instrument Date	Jun 15, 2023
Instrument	2023022462
Transaction Type	Transfer
Record Updated	Aug 18, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	9681 ELM DR, CARMEL, IN 46032-9631

Mortgage

Document Number	0000022463
Date	Jun 20, 2023
Instrument	2023022463

Lender

Name	MJW FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

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		$255,900 (+17.39%) Land $86,200 Building $169,700	$255,900 (+17.39%) Land $86,200 Building $169,700
2024	$2,122.00 (+3.21%)	$218,000 (-) Land $86,200 Building $131,800	$218,000 (-) Land $86,200 Building $131,800
2023	$2,056.00 (-13.21%)	$218,000 (-3.54%) Land $86,200 Building $131,800	$218,000 (-3.54%) Land $86,200 Building $131,800
2022	$2,369.00 (+24.36%)	$226,000 Land $70,600 Building $155,400	$226,000 Land $70,600 Building $155,400
2021	$1,905.00

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

Flood

FEMA maps place 9681 Elm Dr 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	5 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

Wildfire risk around 9681 Elm Dr 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 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
Also Mapped Here	CITIZENS WATER - INDIANAPOLIS
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 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Spectrum, Xiber.

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