9690 Elm Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 9690 Elm Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,850 sqft · built 1977
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Dec 2021)
Tax Bill	$2,731 (2024)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-08-301-012.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-08-301-012.000-018`
Alternative APNs	`291308301012000034` `1713080301012000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,850 sqft Living Area
1st Floor Area	1,850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2011
Architectural Style	Other
Roof Material	Asphalt
Lot Area	14,810 sqft (0.339 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1713080301012000
Old Parcel Number	291308301012000034
Street Address	9690 ELM DR
City	CARMEL
State	IN
Zip	46032-9631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .34, SECTION 8, TOWNSHIP 17, RANGE 3, GREEN TREE COUNTRY CLUB ESTATES, SECTION 3, LOT 23
Legal Range	03
Legal Township	17
Legal Section	08
Legal Subdivision	GREEN TREE COUNTRY CLUB
Legal Block	3
Legal Lot Number	23
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2028
Census Tract	111103

Owner

9690 Elm Dr is owned and occupied by an individual who bought it in December 2021.

Source: Hamilton County records, as of March 5, 2026

Owner of Record	Individual Name on File
Mailing Address	9690 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

Date	Document
Dec 15, 2021	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 20, 2017	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2021 · Amount on File
Deed Sale	Dec 15, 2021 · Amount on File
Prior Sale	Dec 20, 2017 · Amount on File
Deed Document Number	2021089682
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Dec 15, 2021
Property Address	9690 ELM DR, CARMEL, IN 46032-9631
Document Number	0000089682
Map Reference	MB 4 PG 14
Instrument Date	Dec 10, 2021
Instrument	2021089682
Transaction Type	Transfer
Record Updated	Mar 6, 2026

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9690 ELM DR, CARMEL, IN 46032-9631

Mortgage

Document Number	0000089683
Date	Dec 15, 2021
Instrument	2021089683

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Dec 20, 2017
Property Address	9690 ELM DR, CARMEL, IN 46032-9631
Document Number	2017062430
Map Reference	MB4 PG145-146
Instrument Date	Dec 5, 2017
Instrument	2017062430
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	FIRST AMERICAN TITLE

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	9690 ELM DR, CARMEL, IN 46032-9631

Mortgage

Document Number	2017062431
Date	Dec 20, 2017
Instrument	2017062431

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

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		$325,500 (+22%) Land $66,100 Building $259,400	$325,500 (+22%) Land $66,100 Building $259,400
2024	$2,731.00 (+2.17%)	$266,800 (-0.82%) Land $66,100 Building $200,700	$266,800 (-0.82%) Land $66,100 Building $200,700
2023	$2,673.00 (+33.58%)	$269,000 (+35.58%) Land $66,100 Building $202,900	$269,000 (+35.58%) Land $66,100 Building $202,900
2022	$2,001.00	$198,400 Land $54,200 Building $144,200	$198,400 Land $54,200 Building $144,200

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

Flood

FEMA maps place 9690 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 9690 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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