10811 E Lakeshore Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 10811 E Lakeshore Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,903 sqft · built 1972
Lot Size	0.519 acres (22,651 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Aug 2022)
Tax Bill	$4,041 (2024)
Deeds & Mortgages	Jan 2023 Mortgage Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-14-05-303-025.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-14-05-303-025.000-018`
Alternative APN	`1614050303025000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,903 sqft Living Area
1st Floor Area	1,903 sqft
Basement Area	951 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	22,651 sqft (0.519 acres)
Garage Type	Attached
Garage Area	583 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1614050303025000
Street Address	10811 E LAKESHORE DR
City	CARMEL
State	IN
Zip	46033-3910
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 5, TOWNSHIP 17, RANGE 4, THE WOODLANDS, SECTION 1, LOT 82, IRREGULAR SHAPE
Legal Range	04
Legal Township	17
Legal Section	05
Legal Subdivision	THE WOODLANDS SECTION ONE
Legal Block	1
Legal Lot Number	82
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2014
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	10811 E LAKESHORE DR, CARMEL, IN 46033-3910
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 10, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 30, 2021	Warranty Deed, Transfer · Conventional Mortgage ELEMENTS FINANCIAL FCU
Aug 12, 2019	Deed of Trust, Mortgage FORUM CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2022 · Amount on Record
Deed Sale	Aug 10, 2022 · Amount on Record
Prior Sale	Jun 30, 2021 · Amount on Record
Deed Document Number	2022039555
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10811 E LAKESHORE DR, CARMEL, IN 46033-3910
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001581
Date	Jan 17, 2023
Instrument	2023001581

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Sep 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 10, 2022
Property Address	10811 E LAKESHORE DR, CARMEL, IN 46033-3910
Document Number	0000039555
Map Reference	MB 6 PG 40
Instrument Date	Aug 2, 2022
Instrument	2022039555
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	SECURITY TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10811 E LAKESHORE DR, CARMEL, IN 46033-3910

Mortgage

Document Number	0000039556
Date	Aug 10, 2022
Instrument	2022039556

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 30, 2021
Property Address	10811 E LAKESHORE DR, CARMEL, IN 46033-3910
Document Number	0000047798
Map Reference	MB 4 PG 76-77
Instrument Date	Jun 25, 2021
Instrument	2021047798
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	LANDQUEST TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10811 E LAKESHORE DR, CARMEL, IN 46033-3910

Mortgage

Document Number	0000047799
Date	Jun 30, 2021
Instrument	2021047799

Lender

Name	ELEMENTS FINANCIAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10811 E LAKESHORE DR, CARMEL, IN 46033-3910
Document Number	0000038128
Instrument Date	Aug 12, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10811 E LAKESHORE DR CARMEL IN 460333910, CARMEL, IN 46033-3910

Mortgage

Document Number	0000038128
Date	Aug 19, 2019
Instrument	38128

Lender

Name	FORUM CU
Type	Credit Union
Address	FISHERS, IN 46038

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Aug 18, 2039

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		$384,500 (+3.58%) Land $127,800 Building $256,700	$384,500 (+3.58%) Land $127,800 Building $256,700
2024	$4,041.00 (+9.75%)	$371,200 (+5.45%) Land $127,800 Building $243,400	$371,200 (+5.45%) Land $127,800 Building $243,400
2023	$3,682.00 (-3.03%) Homeowner's exemption	$352,000 (+4.86%) Land $73,700 Building $278,300	$352,000 (+4.86%) Land $73,700 Building $278,300
2022	$3,797.00	$335,700 Land $73,700 Building $262,000	$335,700 Land $73,700 Building $262,000

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 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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