992 Bard Ln, Carmel, IN 46032 Property Records

Hamilton County property record for 992 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	Individual Name on Record
Last Sale	$528,941 (Apr 2026)
Tax Bill	$3,376 (2024)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-10-19-011-070.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-19-011-070.000-018`
Alternative APN	`1610190011070000`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 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	992 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 1403, BLOCK 14
Legal Range	04
Legal Township	18
Legal Section	19
Legal Subdivision	ARDEN TOWNHOMES
Legal Block	14
Legal Lot Number	1403
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1021
Census Tract	110905

Owner

Source: Hamilton County records, as of April 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	992 BARD LN, CARMEL, IN 46032-1072
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Warranty Deed, Transfer · Conventional Mortgage SMW FINANCIAL LLC
Jun 16, 2020	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2026 · Amount on Record
Deed Sale	Apr 10, 2026 · Amount on Record
Prior Sale	Jun 16, 2020 · Amount on Record
Deed Document Number	202615184
Prior Transfer Date	Apr 9, 2026
Prior Transfer Doc	0000015184
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Apr 10, 2026
Property Address	992 BARD LN, CARMEL, IN 46032-1072
Document Number	0000015184
Instrument Date	Apr 9, 2026
Instrument	2026.15184
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	992 BARD LN, CARMEL, IN 46032-1072

Mortgage

Document Number	0000015185,
Date	Apr 10, 2026
Instrument	2026.15185

Lender

Name	SMW FINANCIAL LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 16, 2020
Property Address	992 BARD LN, CARMEL, IN 46032-1072
Document Number	2020036837
Instrument Date	Jun 12, 2020
Instrument	2020036837
Transaction Type	Transfer
Record Updated	Oct 22, 2021

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 with Right of Survivorship
Address	992 BARD LN, CARMEL, IN 46032-1072

Mortgage

Document Number	2020036838
Date	Jun 16, 2020
Instrument	2020036838

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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		$339,400 (+6.6%) Land $85,000 Building $254,400	$339,400 (+6.6%) Land $85,000 Building $254,400
2024	$3,376.00 (+6.5%)	$318,400 (+2.68%) Land $85,000 Building $233,400	$318,400 (+2.68%) Land $85,000 Building $233,400
2023	$3,170.00 (+0.54%)	$310,100 (+8.88%) Land $85,000 Building $225,100	$310,100 (+8.88%) Land $85,000 Building $225,100
2022	$3,153.00	$284,800 Land $45,200 Building $239,600	$284,800 Land $45,200 Building $239,600

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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