10815 E Lakeshore Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 10815 E Lakeshore Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,118 sqft · built 1972
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Individual Names on Record
Last Sale	$357,000 (Dec 2016)
Tax Bill	$6,208 (2024)
Deeds & Mortgages	Apr 2026 Transfer Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-14-05-303-026.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-14-05-303-026.000-018`
Alternative APN	`1614050303026000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,118 sqft Living Area
Gross Area	4,479 sqft
1st Floor Area	3,281 sqft
2nd Floor Area	782 sqft
Basement Area	650 sqft
Finished Basement	487 sqft
Unfinished Basement	163 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2010
Construction Type	Frame
Roof Material	Asphalt
Lot Area	23,522 sqft (0.54 acres)
Lot Dimensions	178 ft deep x 115 ft wide
Garage Type	Attached
Garage Area	1,198 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	10815 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 81, IRREGULAR SHAPE
Legal Range	04
Legal Township	17
Legal Section	05
Legal Subdivision	THE WOODLANDS SECTION 1
Legal Lot Number	81
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2014
Census Tract	111004

Owner

Source: Hamilton County records, as of July 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10815 E LAKESHORE DR, CARMEL, IN 46033-3910
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Sep 6, 2019	Deed of Trust, Mortgage · Commercial Mortgage LAKE CITY BANK
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage FORUM CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2016 · Amount on Record
Deed Sale	Dec 8, 2016 · Amount on Record
Prior Sale	Sep 25, 2008 · Amount on Record
Deed Document Number	201664931
Last Transfer Date	Apr 20, 2026
Transfer Doc	0000016728
Record Updated	Oct 29, 2026

April 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON IN
Recording Date	Apr 21, 2026
Property Address	10815 E LAKESHORE DR, CARMEL, IN 46033-3910
Document Number	0000016728
Instrument Date	Apr 20, 2026
Instrument	202616728
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10815 E LAKESHORE DR, CARMEL, IN 46033-3910

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10815 E LAKESHORE DR, CARMEL, IN 46033-3910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042183
Date	Sep 6, 2019
Instrument	2019042183

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46581

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Aug 31, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10815 E LAKESHORE DR, CARMEL, IN 46033-3910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000058114
Date	Aug 26, 2020
Instrument	2020058114

Lender

Name	FORUM CU
Type	Credit Union
Address	FISHERS, IN 46038

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2040

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 16, 2026

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		$564,800 (+3.98%) Land $128,600 Building $436,200	$564,800 (+3.98%) Land $128,600 Building $436,200
2024	$6,208.00 (+2.87%)	$543,200 (-0.51%) Land $128,600 Building $414,600	$543,200 (-0.51%) Land $128,600 Building $414,600
2023	$6,035.00 (+8.97%) Homeowner's exemption	$546,000 (+12.14%) Land $74,200 Building $471,800	$546,000 (+12.14%) Land $74,200 Building $471,800
2022	$5,538.00 Homeowner's exemption	$486,900 Land $74,200 Building $412,700	$486,900 Land $74,200 Building $412,700

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.

Nearby Properties on E Lakeshore Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures