10785 Independence Way, Carmel, IN 46032 Property Records

Hamilton County property record for 10785 Independence Way, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,568 sqft · built 1995
Lot Size	0.389 acres (16,988 sqft)
Owner	Individual Name on File
Tax Bill	$4,157 (2024)
Deeds & Mortgages	Dec 2017 Construction Loan May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-06-002-060.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-06-002-060.000-018`
Alternative APNs	`291306002060000034` `1713060002060000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,568 sqft Living Area
1st Floor Area	1,344 sqft
2nd Floor Area	1,224 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	16,988 sqft (0.389 acres)
Lot Dimensions	140 ft deep x 120 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	522 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1713060002060000
Old Parcel Number	291306002060000034
Street Address	10785 INDEPENDENCE WAY
City	CARMEL
State	IN
Zip	46032-9333
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .39, SECTION 6, TOWNSHIP 17, RANGE 3, PARK AT WESTON PLACE, SECTION 1, LOT 99
Legal Range	03
Legal Township	17
Legal Section	06
Legal Subdivision	PARK AT WESTON PLACE
Legal Block	1
Legal Lot Number	99
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1036
Census Tract	111010

Owner

10785 Independence Way is owned and occupied by an individual who acquired it in May 2006.

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

Owner of Record	Individual Name on File
Mailing Address	10785 INDEPENDENCE WAY, CARMEL, IN 46032-9333
Occupancy	Owner Occupied
Owner Type	Individual

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 15, 2017	Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK
May 12, 2020	Deed of Trust, Mortgage INDIANA MEMBERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2006
Deed Sale	May 1, 2006
Prior Sale	Jan 6, 2005
Deed Document Number	200600023330
Record Updated	Jun 8, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10785 INDEPENDENCE WAY, CARMEL, IN 46032-9333
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061560
Date	Dec 15, 2017
Instrument	2017061560

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 22, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10785 INDEPENDENCE WAY, CARMEL, IN 46032-9333
Document Number	0000028887
Instrument Date	May 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10785 INDEPENDENCE WAY CARMEL IN 460329333, CARMEL, IN 46032-9333

Mortgage

Document Number	0000028887
Date	May 18, 2020
Instrument	28887

Lender

Name	INDIANA MEMBERS CU
Type	Credit Union
Address	INDIANAPOLIS, IN 46240

Agreement

Amount	Amount on Record
Term	180 Months
Due	May 17, 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		$418,100 Land $132,300 Building $285,800	$418,100 Land $132,300 Building $285,800
2024	$4,157.00 (+17.83%)
2023	$3,528.00 (+6.39%)	$339,700 (+14.38%) Land $83,400 Building $256,300	$339,700 (+14.38%) Land $83,400 Building $256,300
2022	$3,316.00	$297,000 Land $83,400 Building $213,600	$297,000 Land $83,400 Building $213,600

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

Flood

FEMA maps place 10785 Independence Way in Zone X, an area of minimal flood risk.

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	7 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 10785 Independence Way 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	Direct burnable vegetation

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 168 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 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xiber.

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