10045 Cedar Rdg Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 10045 Cedar Rdg Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,586 sqft · built 1980
Lot Size	0.84 acres (36,590 sqft)
Owner	Individual Name on File
Last Sale	$267,200 (Mar 2006)
Tax Bill	$4,527 (2024)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-10-301-024.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-10-301-024.000-018`
Alternative APNs	`291310301024000034` `1713100301024000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,586 sqft Living Area
Gross Area	5,381 sqft
1st Floor Area	3,909 sqft
2nd Floor Area	1,263 sqft
Basement Area	1,323 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Frame
Roof Material	Asphalt
Lot Area	36,590 sqft (0.84 acres)
Lot Dimensions	229 ft deep x 141 ft wide
Garage Type	Attached
Garage Area	1,472 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	10045 CEDAR RIDGE DR
City	CARMEL
State	IN
Zip	46032-9622
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .84, SECTION 10, TOWNSHIP 17, RANGE 3, CEDAR POINT, LOT 30, IRREGULAR SHAPE
Legal Range	03
Legal Township	17
Legal Section	10
Legal Subdivision	CEDAR POINT
Legal Lot Number	30
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1007
Census Tract	111103

Owner

10045 Cedar Rdg Dr is owned and occupied by an individual who bought it in March 2006.

Source: Hamilton County records, as of July 6, 2026

Owner of Record	Individual Name on File
Mailing Address	10045 CEDAR RIDGE DR, CARMEL, IN 46032-9622
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 25, 2019	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2006 · Amount on File
Deed Sale	Mar 1, 2006 · Amount on File
Deed Document Number	200611229
Prior Transfer Date	Jan 26, 2006
Prior Transfer Doc	0000011229
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Jun 23, 2026
Property Address	10045 CEDAR RIDGE DR, CARMEL, IN 46032-9622
Document Number	0000027872
Instrument Date	Jun 17, 2026
Instrument	202627872
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10045 CEDAR RIDGE DR, CARMEL, IN 46032-9622

Mortgage

Document Number	0000027872,
Date	Jun 23, 2026
Instrument	202627872

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10045 CEDAR RIDGE DR, CARMEL, IN 46032-9622
Document Number	0000054713
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10045 CEDAR RIDGE DR CARMEL IN 460329622, CARMEL, IN 46032-9622

Mortgage

Document Number	0000054713
Date	Oct 31, 2019
Instrument	54713

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2049

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		$464,600 (+13.15%) Land $91,000 Building $373,600	$464,600 (+13.15%) Land $91,000 Building $373,600
2024	$4,527.00 (+9.03%)	$410,600 (+5.17%) Land $91,000 Building $319,600	$410,600 (+5.17%) Land $91,000 Building $319,600
2023	$4,152.00 (+11.58%) Homeowner's exemption	$390,400 (+18.41%) Land $91,000 Building $299,400	$390,400 (+18.41%) Land $91,000 Building $299,400
2022	$3,721.00 Homeowner's exemption	$329,700 Land $78,500 Building $251,200	$329,700 Land $78,500 Building $251,200

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

Flood

FEMA maps place 10045 Cedar Rdg 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	2 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

Wildfire risk around 10045 Cedar Rdg 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 95% of the US · lower than 68% 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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

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