10237 Central Ave, Carmel (Indianapolis), IN 46280 Property Records

Hamilton County property record for 10237 Central Ave, Carmel, IN 46280

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,294 sqft · built 1955
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (Aug 2022)
Tax Bill	$2,422 (2024)
Deeds & Mortgages	Aug 2022 Sale & Mortgage May 2019 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-11-210-035.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-11-210-035.000-018`
Alternative APNs	`291311210035000003` `1713110210035000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,294 sqft Living Area
1st Floor Area	1,294 sqft

Exterior

Year Built	Built 1955
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	142 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1713110210035000
Old Parcel Number	291311210035000003
Street Address	10237 CENTRAL AVE
City	CARMEL
State	IN
Zip	46280-1613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 11, TOWNSHIP 17, RANGE 3, NORTHRIDGE/CARMEL CLAY, LOT PT 241, 242 & 243
Legal Range	03
Legal Township	17
Legal Section	11
Legal Subdivision	HARRY BOWSERS NORTHRIDGE ADD
Legal Lot Number	241 242
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3010
Census Tract	111104

Owner

Source: Hamilton County records, as of March 4, 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 Record
Mailing Address	10237 CENTRAL AVE, CARMEL, IN 46280-1613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 28, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ELEMENTS FINANCIAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2022 · Amount on Record
Deed Sale	Aug 26, 2022 · Amount on Record
Prior Sale	Oct 6, 2016
Deed Document Number	2022042565
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 26, 2022
Property Address	10237 CENTRAL AVE, CARMEL, IN 46280-1613
Document Number	0000042565
Map Reference	MB 121 PG 400
Instrument Date	Aug 5, 2022
Instrument	2022042565
Transaction Type	Transfer
Record Updated	May 19, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10237 CENTRAL AVE, CARMEL, IN 46280-1613

Mortgage

Document Number	0000042566
Date	Aug 26, 2022
Instrument	2022042566

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10237 CENTRAL AVE, CARMEL, IN 46280-1613
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019021714
Date	May 28, 2019
Instrument	2019021714

Lender

Name	ELEMENTS FINANCIAL FCU
Type	Credit Union
Address	INDIANAPOLIS, IN 46202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2029

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		$243,900 (+0.79%) Land $106,400 Building $137,500	$243,900 (+0.79%) Land $106,400 Building $137,500
2024	$2,422.00 (+33.89%)	$242,000 (+23.22%) Land $106,400 Building $135,600	$242,000 (+23.22%) Land $106,400 Building $135,600
2023	$1,809.00 (-16.13%)	$196,400 (+12.29%) Land $60,800 Building $135,600	$196,400 (+12.29%) Land $60,800 Building $135,600
2022	$2,157.00	$174,900 Land $60,800 Building $114,100	$174,900 Land $60,800 Building $114,100

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 98% of the US · lower than 85% 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 257 locations within half a mile, as of December 31, 2025

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

May also be available: Metronet, Xfinity.

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