10728 E Lakeshore Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 10728 E Lakeshore Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,419 sqft · built 1972
Lot Size	0.419 acres (18,295 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (May 2020)
Tax Bill	$5,995 (2024)
Deeds & Mortgages	Apr 2017 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-14-05-302-025.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-14-05-302-025.000-018`
Alternative APN	`1614050302025000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,419 sqft Living Area
1st Floor Area	1,215 sqft
2nd Floor Area	1,293 sqft
Basement Area	1,215 sqft
Finished Basement	911 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2010
Architectural Style	Other
Roof Material	Asphalt
Lot Area	18,295 sqft (0.419 acres)
Lot Dimensions	180 ft deep x 136 ft wide
Garage Type	Attached
Garage Area	647 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1614050302025000
Street Address	10728 E LAKESHORE DR
City	CARMEL
State	IN
Zip	46033-3916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 5, TOWNSHIP 17, RANGE 4, THE WOODLANDS, SECTION 1, LOT 49
Legal Range	04
Legal Township	17
Legal Section	05
Legal Subdivision	WOODLANDS THE
Legal Block	1
Legal Lot Number	49
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1000
Census Tract	111004

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	10728 E LAKESHORE DR, CARMEL, IN 46033-3916
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2017	Deed of Trust, Mortgage · Commercial Mortgage STAR FINANCIAL BANK
May 5, 2020	Warranty Deed, Transfer · Conventional Mortgage GVC MORTGAGE INC
Aug 29, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2020 · Amount on Record
Deed Sale	May 5, 2020 · Amount on Record
Prior Sale	Aug 29, 2019
Deed Document Number	2020025704
Record Updated	Jun 8, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10728 E LAKESHORE DR, CARMEL, IN 46033-3916
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014256
Date	Apr 3, 2017
Instrument	2017014256

Lender

Name	STAR FINANCIAL BANK
Type	Bank
Address	FORT WAYNE, IN 46858

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Mar 17, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	May 5, 2020
Property Address	10728 E LAKESHORE DR, CARMEL, IN 46033-3916
Document Number	2020025704
Map Reference	MB 4 PG 76
Instrument Date	May 4, 2020
Instrument	2020025704
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	MERIDIAN TITLE CORP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10728 E LAKESHORE DR, CARMEL, IN 46033-3916

Mortgage

Document Number	2020025705
Date	May 5, 2020
Instrument	2020025705

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 29, 2019
Property Address	10728 E LAKESHORE DR, CARMEL, IN 46033-3916
Document Number	2019040520
Map Reference	MB 4 PG 76
Instrument Date	Aug 28, 2019
Instrument	2019040520
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	CHICAGO TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10728 E LAKESHORE DR, CARMEL, IN 46033-3916

Mortgage

Document Number	2019040521
Date	Aug 29, 2019
Instrument	2019040521

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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		$544,900 (+3.26%) Land $123,900 Building $421,000	$544,900 (+3.26%) Land $123,900 Building $421,000
2024	$5,995.00 (+2.11%)	$527,700 (-1.07%) Land $123,900 Building $403,800	$527,700 (-1.07%) Land $123,900 Building $403,800
2023	$5,871.00 (+7.39%) Homeowner's exemption	$533,400 (+11.19%) Land $71,500 Building $461,900	$533,400 (+11.19%) Land $71,500 Building $461,900
2022	$5,467.00	$479,700 Land $71,500 Building $408,200	$479,700 Land $71,500 Building $408,200

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
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2015 · other causes

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

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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