984 Bard Ln, Carmel, IN 46032 Property Records

Hamilton County property record for 984 Bard Ln, Carmel, IN 46032

Property Summary

Property Type	Condominium
Details	3.5 ba · 2,500 sqft · built 2009
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$363,600 (Jul 2026)
Tax Bill	$3,407 (2024)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-19-011-072.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-19-011-072.000-018`
Alternative APN	`1610190011072000`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	3 Stories
Building Area	2,500 sqft Living Area
Gross Area	2,860 sqft
1st Floor Area	2,500 sqft
2nd Floor Area	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Row Home
Construction Type	Frame
Roof Material	Asphalt
Lot Area	1,742 sqft (0.04 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	984 BARD LN
City	CARMEL
State	IN
Zip	46032-1072
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	ACREAGE .04, SECTION 19, TOWNSHIP 18, RANGE 4, ARDEN TOWNHOMES, LOT 1405, BLOCK 14
Legal Range	04
Legal Township	18
Legal Section	19
Legal Subdivision	ARDEN TOWNHOMES
Legal Block	14
Legal Lot Number	1405
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1021
Census Tract	110905

Owner

Source: Hamilton County records, as of July 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	984 BARD LN, CARMEL, IN 46032-1072
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME MORTGAGE CORPORATION
Mar 7, 2024	Warranty Deed, Transfer · FHA Mortgage HOWARD HANNA MORTGAGE SERVICES INC
Mar 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 2, 2023	Warranty Deed, Transfer FIRST AMERICAN TITLE
Sep 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC
Mar 1, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2026 · Amount on Record
Deed Sale	Jul 10, 2026 · Amount on Record
Prior Sale	Mar 7, 2024 · Amount on Record
Deed Document Number	202631018
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jul 10, 2026
Property Address	984 BARD LN, CARMEL, IN 46032-1072
Document Number	0000031018
Instrument Date	Jul 7, 2026
Instrument	202631018
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	984 BARD LN, CARMEL, IN 46032-1072

Mortgage

Document Number	0000031019,
Date	Jul 10, 2026
Instrument	202631019

Lender

Name	HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Mar 7, 2024
Property Address	984 BARD LN, CARMEL, IN 46032-1072
Document Number	0000007609
Map Reference	DOC 2007001171
Instrument Date	Feb 15, 2024
Instrument	2024007609
Transaction Type	Transfer
Record Updated	Mar 29, 2024
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	984 BARD LN, CARMEL, IN 46032-1072

Mortgage

Document Number	0000007610
Date	Mar 7, 2024
Instrument	2024007610

Lender

Name	HOWARD HANNA MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	984 BARD LN, CARMEL, IN 46032-1072
Transaction Type	Mortgage
Record Updated	Nov 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021233
Date	Mar 18, 2021
Instrument	2021021233

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 2, 2023
Property Address	984 BARD LN, CARMEL, IN 46032-1072
Document Number	0000037815
Map Reference	DOC 2007001171
Instrument Date	Sep 28, 2023
Instrument	2023037815
Transaction Type	Transfer
Record Updated	Nov 10, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
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
Address	2150 E GERMANN RD, CHANDLER, AZ 85286-1661
Investor	Possibly a Property Investor

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	984 BARD LN, CARMEL, IN 46032-1072
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043728
Date	Sep 12, 2019
Instrument	2019043728

Lender

Name	AMERICAN INTERNET MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2034

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Mar 1, 2019
Property Address	984 BARD LN, CARMEL, IN 46032-1072
Document Number	2019007375
Instrument Date	Feb 28, 2019
Instrument	2019007375
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	ATLANTIS TITLE SERVICES INC

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	984 BARD LN, CARMEL, IN 46032-1072

Mortgage

Document Number	2019007376
Date	Mar 1, 2019
Instrument	2019007376

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2034

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 16, 2026

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		$341,500 (+6.42%) Land $85,000 Building $256,500	$341,500 (+6.42%) Land $85,000 Building $256,500
2024	$3,407.00 (+6.5%)	$320,900 (+2.69%) Land $85,000 Building $235,900	$320,900 (+2.69%) Land $85,000 Building $235,900
2023	$3,199.00 (+0.41%)	$312,500 (+8.77%) Land $85,000 Building $227,500	$312,500 (+8.77%) Land $85,000 Building $227,500
2022	$3,186.00	$287,300 Land $45,200 Building $242,100	$287,300 Land $45,200 Building $242,100

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2013 · 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

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

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

May also be available: Metronet, Xfinity.

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