10124 Summerlakes Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 10124 Summerlakes Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,746 sqft · built 1989
Lot Size	1.38 acres (60,113 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,924 (2024)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-09-001-012.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-09-001-012.000-018`
Alternative APNs	`291309001012000034` `1713090001012000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	4,746 sqft Living Area
1st Floor Area	2,061 sqft
2nd Floor Area	1,612 sqft
Basement Area	1,145 sqft
Finished Basement	945 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	60,113 sqft (1.38 acres)
Garage Type	Attached
Garage Area	761 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1713090001012000
Old Parcel Number	291309001012000034
Street Address	10124 SUMMERLAKES DR
City	CARMEL
State	IN
Zip	46032-9598
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE 1.38, SECTION 9, TOWNSHIP 17, RANGE 3, SUMMERLAKES, LOT 21
Legal Range	03
Legal Township	17
Legal Section	09
Legal Subdivision	SUMMERLAKES
Legal Lot Number	21
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1015
Census Tract	111103

Owner

10124 Summerlakes Dr is owned and occupied by two individuals.

Source: Hamilton County records, as of March 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	10124 SUMMERLAKES DR, CARMEL, IN 46032-9598
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10124 SUMMERLAKES DR, CARMEL, IN 46032-9598
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021023295
Date	Mar 26, 2021
Instrument	2021023295

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of July 1, 2025

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		$605,100 (-0.38%) Land $201,600 Building $403,500	$605,100 (-0.38%) Land $201,600 Building $403,500
2024	$6,924.00 (+24.15%)	$607,400 (+23.61%) Land $201,600 Building $405,800	$607,400 (+23.61%) Land $201,600 Building $405,800
2023	$5,577.00 (-1.93%) Homeowner's exemption	$491,400 (+2.63%) Land $201,600 Building $289,800	$491,400 (+2.63%) Land $201,600 Building $289,800
2022	$5,687.00 Homeowner's exemption	$478,800 Land $186,600 Building $292,200	$478,800 Land $186,600 Building $292,200

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

Flood

FEMA maps place 10124 Summerlakes 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 10124 Summerlakes 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	Direct burnable vegetation

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
Also Mapped Here	CITIZENS WATER - INDIANAPOLIS
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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Metronet, Verizon.

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