10838 Independence Way, Carmel, IN 46032 Property Records

Hamilton County property record for 10838 Independence Way, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,344 sqft · built 1996
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,211 (2024)
Deeds & Mortgages	Jul 2024 Transfer Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-13-06-002-050.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-06-002-050.000-018`
Alternative APNs	`291306002050000034` `1713060002050000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,344 sqft Living Area
Gross Area	2,942 sqft
1st Floor Area	2,326 sqft
2nd Floor Area	1,172 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	175 ft deep x 173 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10838 INDEPENDENCE WAY
City	CARMEL
State	IN
Zip	46032-9335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .36, SECTION 6, TOWNSHIP 17, RANGE 3, PARK AT WESTON PLACE, SECTION 1, LOT 74
Legal Range	03
Legal Township	17
Legal Section	06
Legal Subdivision	PARK AT WESTON PLACE SECTION 1
Legal Lot Number	74
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 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10838 INDEPENDENCE WAY, CARMEL, IN 46032-9335
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2024	Transfer on Death Deed, Transfer
Aug 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED SAVINGS BANK
Jul 25, 2024	Re-recorded Document

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2024
Deed Sale	Jul 25, 2024
Deed Document Number	202426795
Prior Transfer Date	Jul 2, 2024
Prior Transfer Doc	0000023693
Record Updated	Sep 20, 2026

July 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HAMILTON IN
Recording Date	Jul 3, 2024
Property Address	10838 INDEPENDENCE WAY, CARMEL, IN 46032-9335
Document Number	0000023693
Map Reference	DOC 9537316
Instrument Date	Jul 2, 2024
Instrument	2024023693
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10838 INDEPENDENCE WAY, CARMEL, IN 46032-9335

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10838 INDEPENDENCE WAY, CARMEL, IN 46032-9335
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041015
Date	Aug 22, 2017
Instrument	2017041015

Lender

Name	UNITED SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2032

July 2024: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	HAMILTON IN
Recording Date	Jul 25, 2024
Property Address	10838 INDEPENDENCE WAY, CARMEL, IN 46032-9335
Document Number	0000026795
Map Reference	DOC 9537316
Instrument Date	Dec 18, 1998
Instrument	2024026795
Record Updated	Mar 6, 2026

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10838 INDEPENDENCE WAY, CARMEL, IN 46032-9335

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		$424,200 (+10.1%) Land $126,600 Building $297,600	$424,200 (+10.1%) Land $126,600 Building $297,600
2024	$4,211.00 (+17.69%)	$385,300 (+12.07%) Land $126,600 Building $258,700	$385,300 (+12.07%) Land $126,600 Building $258,700
2023	$3,578.00 (+5.39%) Homeowner's exemption	$343,800 (+14.68%) Land $79,700 Building $264,100	$343,800 (+14.68%) Land $79,700 Building $264,100
2022	$3,395.00	$299,800 Land $79,700 Building $220,100	$299,800 Land $79,700 Building $220,100

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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