10132 Summerlakes Dr, Carmel, IN 46032 Property Records

Hamilton County property record for 10132 Summerlakes Dr, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,394 sqft · built 1989
Lot Size	1.35 acres (58,806 sqft)
Owner	2 Individual Names on Record
Last Sale	$987,525 (Nov 2025)
Tax Bill	$8,267 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-13-09-001-013.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-09-001-013.000-018`
Alternative APNs	`291309001013000034` `1713090001013000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	4,394 sqft Living Area
Gross Area	5,938 sqft
1st Floor Area	4,636 sqft
2nd Floor Area	1,372 sqft
Basement Area	992 sqft
Finished Basement	750 sqft
Unfinished Basement	242 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Brick
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	58,806 sqft (1.35 acres)
Garage Type	Attached
Garage Area	1,302 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	10132 SUMMERLAKES DR
City	CARMEL
State	IN
Zip	46032-9598
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE 1.35, SECTION 9, TOWNSHIP 17, RANGE 3, SUMMERLAKES, LOT 20
Legal Range	03
Legal Township	17
Legal Section	09
Legal Subdivision	SUMMERLAKES
Legal Lot Number	20
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1015
Census Tract	111103

Owner

Source: Hamilton County records, as of May 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10132 SUMMERLAKES DR, CARMEL, IN 46032-9598
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Line of Credit ELEMENTS FINANCIAL FEDERAL CREDIT UNION
Nov 24, 2025	Warranty Deed, Transfer · Conventional Mortgage ELEMENTS FINANCIAL FCU
Mar 23, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2025 · Amount on Record
Deed Sale	Nov 24, 2025 · Amount on Record
Prior Sale	Mar 23, 2021
Deed Document Number	202550891
Prior Transfer Date	Nov 18, 2013
Prior Transfer Doc	0000070606
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Apr 20, 2026
Property Address	10132 SUMMERLAKES DR, CARMEL, IN 46032-9598
Document Number	0000016371
Instrument Date	Apr 14, 2026
Instrument	202616371
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	10132 SUMMERLAKES DR, CARMEL, IN 46032-9598
Investor	Possibly a Property Investor

Mortgage

Document Number	0000016371,
Date	Apr 20, 2026
Instrument	202616371

Lender

Name	ELEMENTS FINANCIAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 15, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Nov 24, 2025
Property Address	10132 SUMMERLAKES DR, CARMEL, IN 46032-9598
Document Number	0000050891
Map Reference	DOC 91-6117
Instrument Date	Nov 18, 2025
Instrument	2025050891
Transaction Type	Transfer
Record Updated	Dec 26, 2025
Title Company	ENTERPRISE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14350 MUNDY DR800

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10132 SUMMERLAKES DR, CARMEL, IN 46032-9598

Mortgage

Document Number	0000050892
Date	Nov 24, 2025
Instrument	2025050892

Lender

Name	ELEMENTS FINANCIAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Mar 23, 2021
Property Address	10132 SUMMERLAKES DR, CARMEL, IN 46032-9598
Document Number	0000022410
Map Reference	MB 12 PG 155-157
Instrument Date	Mar 22, 2021
Instrument	2021022410
Transaction Type	Transfer
Record Updated	Dec 26, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10132 SUMMERLAKES DR, CARMEL, IN 46032-9598

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		$729,100 (+3.21%) Land $199,500 Building $529,600	$729,100 (+3.21%) Land $199,500 Building $529,600
2024	$8,267.00 (+28.97%)	$706,400 (+25.78%) Land $199,500 Building $506,900	$706,400 (+25.78%) Land $199,500 Building $506,900
2023	$6,410.00 (-1.51%) Homeowner's exemption	$561,600 (+1.87%) Land $199,500 Building $362,100	$561,600 (+1.87%) Land $199,500 Building $362,100
2022	$6,508.00 Homeowner's exemption	$551,300 Land $184,700 Building $366,600	$551,300 Land $184,700 Building $366,600

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

Flood

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

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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