10548 Coppergate, Carmel, IN 46032 Property Records

Hamilton County property record for 10548 Coppergate, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 6 ba · 6,453 sqft · built 1988
Lot Size	1.78 acres (77,537 sqft)
Owner	Individual Name on Record
Last Sale	$1,275,000 (Jul 2017)
Tax Bill	$14,844 (2024)
Deeds & Mortgages	Oct 2021 Line of Credit Jun 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`29-13-09-002-028.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-09-002-028.000-018`
Alternative APNs	`291309002028000034` `1713090002028000`

Interior

Bedrooms	3 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	26 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	6,453 sqft Living Area
1st Floor Area	3,037 sqft
2nd Floor Area	2,398 sqft
Basement Area	1,358 sqft
Finished Basement	1,018 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	77,537 sqft (1.78 acres)
Lot Dimensions	304 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	959 sqft
Parking Spaces	3 Parking Spaces
Pool Area	757 sqft
Gazebo	324 sqft
Tennis Court	Tennis Court

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1713090002028000
Old Parcel Number	291309002028000034
Street Address	10548 COPPERGATE
City	CARMEL
State	IN
Zip	46032-9203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE 1.78, SECTION 9, TOWNSHIP 17, RANGE 3, COPPERGATE, LOT 25
Legal Range	03
Legal Township	17
Legal Section	09
Legal Subdivision	COPPERGATE
Legal Lot Number	25
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	10548 COPPERGATE, CARMEL, IN 46032-9203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Deed of Trust, Mortgage · Line of Credit FINANCIAL CENTER FIRST CU
Jun 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL CENTER FIRST CU
Jun 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL CENTER FIRST CU
Dec 15, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FINANCIAL CENTER FIRST CU
Aug 26, 2020	Deed of Trust, Mortgage FINANCIAL CTR FIRST CU
Jul 11, 2017	Warranty Deed, Transfer · ARM ANGEL OAK MORTGAGE SOLUTIONS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2017 · Amount on Record
Deed Sale	Jul 11, 2017 · Amount on Record
Prior Sale	Jun 24, 2010
Deed Document Number	2017032662
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10548 COPPERGATE, CARMEL, IN 46032-9203
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078597
Date	Oct 29, 2021
Instrument	2021078597

Lender

Name	FINANCIAL CENTER FIRST CU
Type	Credit Union
Address	INDIANAPOLIS, IN 46226

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Nov 15, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10548 COPPERGATE, CARMEL, IN 46032-9203
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028048
Date	Jun 6, 2022
Instrument	2022028048

Lender

Name	FINANCIAL CENTER FIRST CU
Type	Credit Union
Address	INDIANAPOLIS, IN 46226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 15, 2037

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10548 COPPERGATE, CARMEL, IN 46032-9203
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028047
Date	Jun 6, 2022
Instrument	2022028047

Lender

Name	FINANCIAL CENTER FIRST CU
Type	Credit Union
Address	INDIANAPOLIS, IN 46226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 15, 2037

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10548 COPPERGATE, CARMEL, IN 46032-9203
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000091672
Date	Dec 15, 2020
Instrument	2020091672

Lender

Name	FINANCIAL CENTER FIRST CU
Type	Credit Union
Address	INDIANAPOLIS, IN 46226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Nov 15, 2035

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10548 COPPERGATE, CARMEL, IN 46032-9203
Document Number	0000059825
Instrument Date	Aug 26, 2020
Transaction Type	Mortgage
Record Updated	Oct 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10548 COPPERGATE CARMEL IN 460329203, CARMEL, IN 46032-9203

Mortgage

Document Number	0000059825
Date	Sep 1, 2020
Instrument	59825

Lender

Name	FINANCIAL CTR FIRST CU
Address	7101 E 56TH ST, INDIANAPOLIS, IN 46226-1315

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 31, 2035

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jul 11, 2017
Property Address	10548 COPPERGATE, CARMEL, IN 46032-9203
Document Number	2017032662
Map Reference	MB13 PG121-125
Instrument Date	Jul 7, 2017
Instrument	2017032662
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10548 COPPERGATE, CARMEL, IN 46032-9203

Mortgage

Document Number	2017032663
Date	Jul 11, 2017
Instrument	2017032663

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Type Change Date	Aug 1, 2022
Change Frequency	Annually
Min Rate At Change	6.5%
Max Rate At Change	10.5%
Index	1-Year LIBOR
Margin	4
Max Rate	13.5%

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		$1,343,300 (+3.49%) Land $328,000 Building $1,015,300	$1,343,300 (+3.49%) Land $328,000 Building $1,015,300
2024	$14,844.00 (-8.1%)	$1,298,000 (-0.87%) Land $328,000 Building $970,000	$1,298,000 (-0.87%) Land $328,000 Building $970,000
2023	$16,152.00 (+11.38%) Homeowner's exemption	$1,309,400 (+15.75%) Land $328,000 Building $981,400	$1,309,400 (+15.75%) Land $328,000 Building $981,400
2022	$14,502.00 Homeowner's exemption	$1,131,200 Land $328,000 Building $803,200	$1,131,200 Land $328,000 Building $803,200

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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