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Single Family ResidenceResidential
$556,215$165 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

540 SAPPHIRE DR

CARMEL, IN 46032
3
Beds
4 / 1
Baths
3,373 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.4 ac
Lot SizeThe size of the land the home sits on, from county records.
1999
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$556K
$505K low$608K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,160 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$545,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$85,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$460,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$537,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$545,700

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyHamilton
Lot (acres)The size of the land the home sits on, from county records.0.40
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Raised (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Shamrock Springs Elementary SchoolA
Elementary · Grades KG–4 · 1.8 mi
M
Westfield Middle SchoolA
Middle · Grades 7–8 · 3.3 mi
H
Westfield High School
High · Grades 9–12 · 3.6 mi

District: Westfield-Washington Schools

Neighborhood · ZIP 46032These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.94
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.103
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.36

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.42%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.57,172
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,167 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$133,197
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$172,855
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.40 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

Owner Tools

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

540 Sapphire Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 69% of homes in Hamilton County
  • Costs less per square foot than 89% of homes in Carmel 46032
  • Bigger than 73% of homes in Hamilton County
  • Has a bigger lot than 76% of homes in Hamilton County

What homes are worth in Carmel 46032

Each bar is how many homes fall in that price range. The marker is this home.

This home
$243K$2.1M

This home is worth more than 49% of homes in Carmel 46032.

How it measures up in Carmel 46032

The dot is this home. The mark in the middle is the typical home in Carmel 46032.

Estimated value$556,215
CheaperTypical $559,316Pricier

Pricier than 49% of homes nearby

Price per ft²$165
CheaperTypical $213Pricier

Pricier than 11% of homes nearby

Living area3,373 ft²
SmallerTypical 2,834 ft²Bigger

Bigger than 61% of homes nearby

Lot size0.4 ac
SmallerTypical 0.34 acBigger

Bigger than 62% of homes nearby

Year built1999
OlderTypical 1996Newer

Newer than 62% of homes nearby

How 540 Sapphire Dr ranks against every home in each area.
MeasureThis homeCarmel 46032Hamilton County
Estimated valuepricier than$556,21549% of homes69% of homes
Price per ft²pricier than$16511% of homes31% of homes
Living areabigger than3,373 ft²61% of homes73% of homes
Lot sizebigger than0.4 ac62% of homes76% of homes
Year builtnewer than199962% of homes45% of homes

About 540 Sapphire Dr

How much is 540 Sapphire Dr, Carmel, IN worth?

The TopHap Estimate for 540 Sapphire Dr, Carmel, IN is $556,215 as of Oct 21, 2026. The likely range is $504,901 to $607,529. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 540 Sapphire Dr, Carmel, IN last sell?

540 Sapphire Dr, Carmel, IN last sold on Apr 1, 2010, according to the county's recorded deed.

How big is 540 Sapphire Dr, Carmel, IN?

540 Sapphire Dr, Carmel, IN has 3 bedrooms, 4 bathrooms, 3,373 square feet of living space and a 0.40-acre lot.

When was 540 Sapphire Dr, Carmel, IN built?

540 Sapphire Dr, Carmel, IN was built in 1999, making it 27 years old. The building has 1 story.

What schools serve 540 Sapphire Dr, Carmel, IN?

540 Sapphire Dr, Carmel, IN is assigned to Shamrock Springs Elementary School (elementary), rated A; Westfield Middle School (middle), rated A; Westfield High School (high). All sit in Westfield-Washington Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 540 Sapphire Dr, Carmel, IN compare to other homes in Carmel 46032?

Among the 15,894 homes in Carmel 46032, it is worth more than 49% of them ($556,215 against a typical $559,316), its price per square foot is higher than 11% of them ($165 against a typical $213), it is bigger than 61% of them (3,373 ft² against a typical 2,834 ft²), its lot is bigger than 62% of them (0.4 ac against a typical 0.34 ac) and it is newer than 62% of them (1999 against a typical 1996). Measured against all of Hamilton County, it is worth more than 69% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 540 Sapphire Dr, Carmel, IN?

The 2024 property tax bill for 540 Sapphire Dr, Carmel, IN was $6,160. The county assessed it at $545,700.

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