10 Harrowgate Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 10 Harrowgate Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,596 sqft · built 1966
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on File
Tax Bill	$5,602 (2024)
Deeds & Mortgages	Mar 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-10-30-202-017.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-30-202-017.000-018`
Alternative APN	`1610300202017000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,596 sqft Living Area
1st Floor Area	1,480 sqft
2nd Floor Area	1,216 sqft
Basement Area	1,216 sqft
Finished Basement	900 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1976
Architectural Style	Other
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	121 ft deep x 145 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1610300202017000
Street Address	10 HARROWGATE DR
City	CARMEL
State	IN
Zip	46033-1902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 30, TOWNSHIP 18, RANGE 4, HARROWGATE, SECTION 3, LOT 192
Legal Range	04
Legal Township	18
Legal Section	30
Legal Subdivision	CARMEL HARROWGATE
Legal Block	3
Legal Lot Number	192
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3008
Census Tract	110907

Owner

Source: Hamilton County records · APN 29-10-30-202-017.000-018

Assessment roll updated July 1, 2025 · Last verified March 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 File
Mailing Address	10 HARROWGATE DR, CARMEL, IN 46033-1902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 07, 2002
Deed Sale	Mar 07, 2002
Prior Sale	Jan 07, 2002
Record Updated	Jun 08, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10 HARROWGATE DR, CARMEL, IN 46033-1902
Transaction Type	Mortgage
Record Updated	Mar 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 HARROWGATE DR, CARMEL, IN 46033-1902

Mortgage

Document Number	0000010866
Date	Mar 01, 2022
Instrument	2022010866

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 11, 2052

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated July 1, 2025 · Last verified March 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$509,200 (+2.52%) Land $139,600 Building $369,600	$509,200 (+2.52%) Land $139,600 Building $369,600
2024	$5,602.00 (+23.2%)	$496,700 (+17.28%) Land $139,600 Building $357,100	$496,700 (+17.28%) Land $139,600 Building $357,100
2023	$4,547.00 (+15.97%) Homeowner's exemption	$423,500 (+22.22%) Land $92,600 Building $330,900	$423,500 (+22.22%) Land $92,600 Building $330,900
2022	$3,921.00 Homeowner's exemption	$346,500 Land $92,600 Building $253,900	$346,500 Land $92,600 Building $253,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hamilton County (18057C), updated October 5, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 180571109073, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	5 (2013–2019)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jun 2019 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 223 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
On-Ramp Indiana Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	CARMEL WATER DEPARTMENT serves 99,927 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.