10845 Independence Way, Carmel, IN 46032 Property Records

Hamilton County property record for 10845 Independence Way, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,216 sqft · built 1995
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$531,893 (Mar 2026)
Tax Bill	$4,244 (2024)
Deeds & Mortgages	Jun 2021 Line of Credit Mar 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-13-06-002-052.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-06-002-052.000-018`
Alternative APNs	`291306002052000034` `1713060002052000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,216 sqft Living Area
Gross Area	2,722 sqft
1st Floor Area	2,216 sqft
2nd Floor Area	1,044 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Frame
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	177 ft deep x 53.7 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10845 INDEPENDENCE WAY
City	CARMEL
State	IN
Zip	46032-9336
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 106
Legal Range	03
Legal Township	17
Legal Section	06
Legal Subdivision	PARK AT WESTON PLACE SECTION 1
Legal Lot Number	106
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1036
Census Tract	111010

Owner

Source: Hamilton County records, as of March 30, 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
Mailing Address	10845 INDEPENDENCE WAY, CARMEL, IN 46032-9336
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Deed of Trust, Mortgage · Line of Credit THE PEOPLES BANK
Mar 17, 2026	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Mar 17, 2026	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jun 30, 2021	Deed of Trust, Mortgage · Line of Credit THE PEOPLES BANK
Mar 2, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2026 · Amount on Record
Deed Sale	Mar 17, 2026 · Amount on Record
Prior Sale	Oct 14, 2011 · Amount on Record
Deed Document Number	202610621
Prior Transfer Date	Jan 30, 2017
Prior Transfer Doc	0000009135
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10845 INDEPENDENCE WAY, CARMEL, IN 46032-9336
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047814
Date	Jun 30, 2021
Instrument	2021047814

Lender

Name	THE PEOPLES BANK
Type	Bank
Address	ELLETTSVILLE, IN 47429

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 18, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Mar 17, 2026
Property Address	10845 INDEPENDENCE WAY, CARMEL, IN 46032-9336
Document Number	0000010621
Map Reference	DOC 9537316
Instrument Date	Mar 17, 2026
Instrument	2026010621
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10845 INDEPENDENCE WAY, CARMEL, IN 46032-9336

Mortgage

Document Number	0000010622
Date	Mar 17, 2026
Instrument	2026010622

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Mar 17, 2026
Property Address	10845 INDEPENDENCE WAY, CARMEL, IN 46032-9336
Document Number	0000010621
Map Reference	DOC 9537316
Instrument Date	Mar 17, 2026
Instrument	2026010621
Transaction Type	Transfer
Record Updated	Apr 24, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10845 INDEPENDENCE WAY, CARMEL, IN 46032-9336

Mortgage

Document Number	0000010622
Date	Mar 17, 2026
Instrument	2026010622

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	10845 INDEPENDENCE WAY, CARMEL, IN 46032-9336
Transaction Type	Mortgage
Record Updated	Jul 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021047814
Date	Jun 30, 2021
Instrument	2021047814

Lender

Name	THE PEOPLES BANK
Type	Bank
Address	ELLETTSVILLE, IN 47429

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 18, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON IN
Recording Date	Mar 2, 2017
Property Address	10845 INDEPENDENCE WAY, CARMEL, IN 46032-9336
Document Number	0000009135
Instrument Date	Jan 30, 2017
Instrument	9135
Transaction Type	Transfer
Record Updated	Aug 23, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10845 INDEPENDENCE WAY CARMEL IN 460329336, CARMEL, IN 46032-9336

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		$423,900 (+9.51%) Land $132,200 Building $291,700	$423,900 (+9.51%) Land $132,200 Building $291,700
2024	$4,244.00 (+20.95%)	$387,100 (+14.49%) Land $132,200 Building $254,900	$387,100 (+14.49%) Land $132,200 Building $254,900
2023	$3,509.00 (+6.37%)	$338,100 (+14.34%) Land $83,300 Building $254,800	$338,100 (+14.34%) Land $83,300 Building $254,800
2022	$3,299.00	$295,700 Land $83,300 Building $212,400	$295,700 Land $83,300 Building $212,400

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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