10240 Ditch Rd, Carmel, IN 46032 Property Records

Hamilton County property record for 10240 Ditch Rd, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 8 ba · 14,128 sqft · built 2011
Lot Size	5.04 acres (219,542 sqft)
Owner	2 Owner Names on File
Tax Bill	$28,842 (2024)
Deeds & Mortgages	Dec 2021 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-13-09-000-012.001-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-09-000-012.001-018`
Alternative APNs	`291309000012001034` `1713090000012001`

Interior

Bedrooms	4 Beds
Full Baths	8 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	30 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	14,128 sqft Living Area
1st Floor Area	6,201 sqft
2nd Floor Area	3,277 sqft
Basement Area	6,201 sqft
Finished Basement	4,650 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Architectural Style	Other
Roof Material	Asphalt
Lot Area	219,542 sqft (5.04 acres)
Garage Type	Attached
Garage Area	1,553 sqft
Parking Spaces	5 Parking Spaces
Pool Area	1,250 sqft
Tennis Court	Tennis Court

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1713090000012001
Old Parcel Number	291309000012001034
Street Address	10240 DITCH RD
City	CARMEL
State	IN
Zip	46032-9613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE 5.04, SECTION 9, TOWNSHIP 17, RANGE 3
Legal Range	03
Legal Township	17
Legal Section	09
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1010
Census Tract	111103

Owner

The current owner of 10240 Ditch Rd acquired it in November 2005.

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

Owner of Record	2 Owner Names on File
Mailing Address	10240 DITCH RD, CARMEL, IN 46032-9613
Occupancy	Owner Occupied

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
Dec 27, 2021	Deed of Trust, Mortgage · Line of Credit OLD NATIONAL BANK
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 13, 2020	Deed of Trust, Mortgage · Line of Credit OLD NATIONAL BANK
Dec 21, 2019	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	May 15, 2003
Last Transfer Date	Nov 18, 2005
Transfer Doc	0000075463
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10240 DITCH RD, CARMEL, IN 46032-9613
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10240 DITCH RD, CARMEL, IN 46032-9613

Mortgage

Document Number	0000092029
Date	Dec 27, 2021
Instrument	2021092029

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	ZIONSVILLE, IN 46077

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10240 DITCH RD, CARMEL, IN 46032-9613
Transaction Type	Mortgage
Record Updated	May 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021029072
Date	Apr 16, 2021
Instrument	2021029072

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7.5%
Index	Other
Margin	3
Max Rate	7.5%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10240 DITCH RD, CARMEL, IN 46032-9613
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013532
Date	Mar 13, 2020
Instrument	2020013532

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	ZIONSVILLE, IN 46077

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10240 DITCH RD, CARMEL, IN 46032-9613
Document Number	0000066149
Instrument Date	Dec 21, 2019
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10240 DITCH RD CARMEL IN 460329613, CARMEL, IN 46032-9613

Mortgage

Document Number	0000066149
Date	Dec 27, 2019
Instrument	66149

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 26, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.75%

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		$2,431,200 (+5.6%) Land $508,600 Building $1,922,600	$2,431,200 (+5.6%) Land $508,600 Building $1,922,600
2024	$28,842.00 (-2.39%)	$2,302,300 (-0.84%) Land $508,600 Building $1,793,700	$2,302,300 (-0.84%) Land $508,600 Building $1,793,700
2023	$29,548.00 (+4%) Homeowner's exemption	$2,321,700 (+5.84%) Land $508,600 Building $1,813,100	$2,321,700 (+5.84%) Land $508,600 Building $1,813,100
2022	$28,412.00 Homeowner's exemption	$2,193,500 Land $508,600 Building $1,684,900	$2,193,500 Land $508,600 Building $1,684,900

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

Flood

FEMA maps place 10240 Ditch Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 10240 Ditch Rd 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 94% of the US · lower than 63% 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

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