10826 Independence Way, Carmel, IN 46032 Property Records

Hamilton County property record for 10826 Independence Way, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,127 sqft · built 1996
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$447,000 (Aug 2024)
Tax Bill	$4,081 (2024)
Deeds & Mortgages	Aug 2024 Sale Jul 2021 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`29-13-06-002-049.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-06-002-049.000-018`
Alternative APNs	`291306002049000034` `1713060002049000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,127 sqft Living Area
1st Floor Area	1,157 sqft
2nd Floor Area	1,004 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Architectural Style	Other
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	175 ft deep x 112 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1713060002049000
Old Parcel Number	291306002049000034
Street Address	10826 INDEPENDENCE WAY
City	CARMEL
State	IN
Zip	46032-9335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .35, SECTION 6, TOWNSHIP 17, RANGE 3, PARK AT WESTON PLACE, SECTION 1, LOT 75
Legal Range	03
Legal Township	17
Legal Section	06
Legal Subdivision	PARK/WESTON PLACE SEC 01
Legal Block	1
Legal Lot Number	75
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1037
Census Tract	111010

Owner

Source: Hamilton County records, as of March 5, 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	10826 INDEPENDENCE WAY, CARMEL, IN 46032-9335
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2024	Deed, Transfer
Jul 22, 2021	Intrafamily Transfer, Transfer CENTURION LAND TITLE INC
Jul 21, 2021	Warranty Deed, Transfer
Oct 17, 2020	Deed of Trust, Mortgage BETTER MTG CORP ISAOA
Jan 6, 2020	Deed of Trust, Mortgage THIRD FED'L S&L ASSN/CLEVELAND
Dec 15, 2018	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2024 · Amount on Record
Deed Sale	Aug 7, 2024 · Amount on Record
Prior Sale	Jul 22, 2021
Deed Document Number	2024028740
Record Updated	Jun 8, 2026

August 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 7, 2024
Property Address	10826 INDEPENDENCE WAY, CARMEL, IN 46032-9335
Document Number	0000028740
Map Reference	DOC 9537316
Instrument Date	Aug 1, 2024
Instrument	2024028740
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
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	10826 INDEPENDENCE WAY, CARMEL, IN 46032-9335

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON IN
Recording Date	Jul 22, 2021
Property Address	10826 INDEPENDENCE WAY, CARMEL, IN 46032-9335
Document Number	0000053257
Instrument Date	Jul 16, 2021
Instrument	2021053257
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	CENTURION LAND TITLE INC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10826 INDEPENDENCE WAY, CARMEL, IN 46032-9335

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jul 21, 2021
Property Address	10826 INDEPENDENCE WAY, CARMEL, IN 46032-9335
Document Number	0000052933
Instrument Date	Jul 16, 2021
Instrument	2021052933
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
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	10826 INDEPENDENCE WAY, CARMEL, IN 46032-9335

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10826 INDEPENDENCE WAY, CARMEL, IN 46032-9335
Document Number	0000076840
Instrument Date	Oct 17, 2020
Transaction Type	Mortgage
Record Updated	Nov 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10826 INDEPENDENCE WAY CARMEL IN 460329335, CARMEL, IN 46032-9335

Mortgage

Document Number	0000076840
Date	Oct 26, 2020
Instrument	76840

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Oct 25, 2035

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10826 INDEPENDENCE WAY, CARMEL, IN 46032-9335
Document Number	0000011661
Instrument Date	Jan 6, 2020
Transaction Type	Mortgage
Record Updated	Jun 3, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	10826 INDEPENDENCE WAY CARMEL IN 460329335, CARMEL, IN 46032-9335

Mortgage

Document Number	0000011661
Date	Mar 4, 2020
Instrument	11661

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Mar 3, 2030

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10826 INDEPENDENCE WAY, CARMEL, IN 46032-9335
Document Number	0000001293
Instrument Date	Dec 15, 2018
Transaction Type	Mortgage
Record Updated	Feb 1, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10826 INDEPENDENCE WAY CARMEL IN 460329335, CARMEL, IN 46032-9335

Mortgage

Document Number	0000001293
Date	Jan 14, 2019
Instrument	1293

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$410,100 (+9.39%) Land $132,200 Building $277,900	$410,100 (+9.39%) Land $132,200 Building $277,900
2024	$4,081.00 (-40.09%)	$374,900 (+10.95%) Land $132,200 Building $242,700	$374,900 (+10.95%) Land $132,200 Building $242,700
2023	$6,812.00 (+11.82%)	$337,900 (+14.39%) Land $83,300 Building $254,600	$337,900 (+14.39%) Land $83,300 Building $254,600
2022	$6,092.00	$295,400 Land $83,300 Building $212,100	$295,400 Land $83,300 Building $212,100

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% 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 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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