Hamilton County property record for 9974 Estep Dr, Carmel, IN 46280
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,671 sqft · built 1989 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $414,960 (Apr 2024) |
| Tax Bill | $3,466 (2024) |
| Deeds & Mortgages | Nov 2025 Mortgage Apr 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-14-07-112-039.000-018 |
| Primary APN | 29-14-07-112-039.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,671 sqft Living Area |
| Gross Area | 2,155 sqft |
| 1st Floor Area | 1,671 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 130 ft deep x 103 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 9974 ESTEP DR |
|---|---|
| City | CARMEL |
| State | IN |
| Zip | 46280-1588 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .20, SECTION 7, TOWNSHIP 17, RANGE 4, WALDEN POND, SECTION 3, LOT 120 |
| Legal Range | 04 |
| Legal Township | 17 |
| Legal Section | 07 |
| Legal Subdivision | WALDEN POND SECTION 3 |
| Legal Block | 3 |
| Legal Lot Number | 120 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 111104 |
9974 Estep Dr is owned and occupied by an individual who bought it in April 2024.
Source: Hamilton County records, as of March 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9974 ESTEP DR, CARMEL, IN 46280-1588 |
| 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.
| Date | Document |
|---|---|
| Nov 17, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Apr 22, 2024 | Warranty Deed, Transfer · Conventional Mortgage UNITED SAVINGS BANK |
| Apr 10, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 22, 2024 · Amount on File |
| Deed Sale | Apr 22, 2024 · Amount on File |
| Prior Sale | Apr 10, 2023 |
| Deed Document Number | 202413533 |
| Prior Transfer Date | Jul 16, 2020 |
| Prior Transfer Doc | 0000012198 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 9974 ESTEP DR, CARMEL, IN 46280-1588 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2026 |
| Title Company | LAND GROUP TITLE |
| Name | Verified Name |
|---|---|
| Address | 9974 ESTEP DR, CARMEL, IN 46280-1588 |
| Document Number | 0000049694 |
|---|---|
| Date | Nov 17, 2025 |
| Instrument | 2025049694 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 313 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Apr 22, 2024 |
| Property Address | 9974 ESTEP DR, CARMEL, IN 46280-1588 |
| Document Number | 0000013533 |
| Map Reference | DOC 8909052 |
| Instrument Date | Apr 16, 2024 |
| Instrument | 2024013533 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 9974 ESTEP DR, CARMEL, IN 46280-1588 |
| Document Number | 0000013534 |
|---|---|
| Date | Apr 22, 2024 |
| Instrument | 2024013534 |
| Name | UNITED SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Apr 10, 2023 |
| Property Address | 9974 ESTEP DR, CARMEL, IN 46280-1588 |
| Document Number | 0000012198 |
| Map Reference | DOC 8908052 |
| Instrument Date | Jul 16, 2020 |
| Instrument | 2023012198 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9974 ESTEP DR, CARMEL, IN 46280-1588 |
| Name | Verified Name |
|---|---|
| Address | 484 E CARMEL DR # 236, CARMEL, IN 46032-2812 |
Source: Hamilton County assessment roll, as of March 16, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Clay Township |
| Municipality | Carmel City |
| Unified School District | Carmel Clay Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $353,900 (+9.5%) Land $96,800 Building $257,100 | $353,900 (+9.5%) Land $96,800 Building $257,100 | |
| 2024 | $3,466.00 (+19.89%) | $323,200 (+8.93%) Land $96,800 Building $226,400 | $323,200 (+8.93%) Land $96,800 Building $226,400 |
| 2023 | $2,891.00 (+4.67%) | $296,700 (+13.72%) Land $70,300 Building $226,400 | $296,700 (+13.72%) Land $70,300 Building $226,400 |
| 2022 | $2,762.00 | $260,900 Land $70,300 Building $190,600 | $260,900 Land $70,300 Building $190,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9974 Estep 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 | 4 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 risk around 9974 Estep 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 97% of the US · lower than 78% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 241 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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