10312 Central Ave, Carmel (Indianapolis), IN 46280 Property Records

Hamilton County property record for 10312 Central Ave, Carmel, IN 46280

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,422 sqft · built 1960
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Tax Bill	$2,497 (2024)
Deeds & Mortgages	Jun 2020 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-11-212-008.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-11-212-008.000-018`
Alternative APNs	`291311212008000003` `1713110212008000`

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	1,422 sqft Living Area
1st Floor Area	1,422 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Garage Area	528 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	1713110212008000
Old Parcel Number	291311212008000003
Street Address	10312 CENTRAL AVE
City	CARMEL
State	IN
Zip	46280-1346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 11, TOWNSHIP 17, RANGE 3, NORTHRIDGE/CARMEL CLAY, LOT 284, 285 & PT 283
Legal Range	03
Legal Township	17
Legal Section	11
Legal Subdivision	NORTHRIDGE
Legal Lot Number	284 285
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3002
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
Co-owner	Co-owner on Record
Mailing Address	10312 CENTRAL AVE, CARMEL, IN 46280-1346
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2020	Deed of Trust, Mortgage FORUM CU
May 12, 2018	Deed of Trust, Mortgage FORUM CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2013
Deed Sale	May 2, 2013
Deed Document Number	2013027111
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10312 CENTRAL AVE, CARMEL, IN 46280-1346
Document Number	0000038785
Instrument Date	Jun 16, 2020
Transaction Type	Mortgage
Record Updated	Aug 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10312 CENTRAL AVE INDIANAPOLIS IN 462801346, INDIANAPOLIS, IN 46280-1346

Mortgage

Document Number	0000038785
Date	Jun 23, 2020
Instrument	38785

Lender

Name	FORUM CU
Type	Credit Union
Address	FISHERS, IN 46038

Agreement

Amount	Amount Recorded
Term	216 Months
Due	Jun 22, 2038

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10312 CENTRAL AVE, CARMEL, IN 46280-1346
Document Number	0000021910
Instrument Date	May 12, 2018
Transaction Type	Mortgage
Record Updated	Jun 27, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10312 CENTRAL AVE INDIANAPOLIS IN 462801346, INDIANAPOLIS, IN 46280-1346

Mortgage

Document Number	0000021910
Date	May 22, 2018
Instrument	21910

Lender

Name	FORUM CU
Type	Credit Union
Address	FISHERS, IN 46038

Agreement

Amount	Amount Recorded
Term	204 Months
Due	May 21, 2035

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		$249,300 (+0.52%) Land $104,000 Building $145,300	$249,300 (+0.52%) Land $104,000 Building $145,300
2024	$2,497.00 (+32.4%)	$248,000 (+21.93%) Land $104,000 Building $144,000	$248,000 (+21.93%) Land $104,000 Building $144,000
2023	$1,886.00 (+5.25%)	$203,400 (+12.81%) Land $59,400 Building $144,000	$203,400 (+12.81%) Land $59,400 Building $144,000
2022	$1,792.00	$180,300 Land $59,400 Building $120,900	$180,300 Land $59,400 Building $120,900

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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