10538 Coppergate, Carmel, IN 46032 Property Records

Hamilton County property record for 10538 Coppergate, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 7,534 sqft · built 1989
Lot Size	1.34 acres (58,370 sqft)
Owner	Individual Name on Record
Tax Bill	$12,966 (2024)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-09-002-025.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-09-002-025.000-018`
Alternative APNs	`291309002025000034` `1713090002025000`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	22 Plumbing Fixtures
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	7,534 sqft Living Area
1st Floor Area	3,118 sqft
2nd Floor Area	2,366 sqft
Basement Area	2,824 sqft
Finished Basement	2,050 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2005
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	58,370 sqft (1.34 acres)
Lot Dimensions	296 ft deep x 196 ft wide
Garage Type	Attached
Garage Area	1,159 sqft
Parking Spaces	4 Parking Spaces
Pool Area	840 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1713090002025000
Old Parcel Number	291309002025000034
Street Address	10538 COPPERGATE
City	CARMEL
State	IN
Zip	46032-9203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE 1.34, SECTION 9, TOWNSHIP 17, RANGE 3, COPPERGATE, LOT 22
Legal Range	03
Legal Township	17
Legal Section	09
Legal Subdivision	COPPERGATE
Legal Lot Number	22
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1010
Census Tract	111103

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	10538 COPPERGATE, CARMEL, IN 46032-9203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2014
Deed Sale	Sep 16, 2014
Deed Document Number	2014041109
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10538 COPPERGATE, CARMEL, IN 46032-9203
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033038
Date	Jun 3, 2020
Instrument	2020033038

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	1.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 12, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.87%
Index	1-Year LIBOR
Max Rate	6.87%

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		$1,128,300 (+2.57%) Land $284,000 Building $844,300	$1,128,300 (+2.57%) Land $284,000 Building $844,300
2024	$12,966.00 (-0.86%)	$1,100,000 (-0.84%) Land $284,000 Building $816,000	$1,100,000 (-0.84%) Land $284,000 Building $816,000
2023	$13,078.00 (+14.3%) Homeowner's exemption	$1,109,300 (+15.28%) Land $284,000 Building $825,300	$1,109,300 (+15.28%) Land $284,000 Building $825,300
2022	$11,442.00 Homeowner's exemption	$962,300 Land $284,000 Building $678,300	$962,300 Land $284,000 Building $678,300

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	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 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, T-Mobile, Xfinity.

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