11020 Timber Ln, Carmel, IN 46032 Property Records

Hamilton County property record for 11020 Timber Ln, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,980 sqft · built 2019
Lot Size	0.469 acres (20,473 sqft)
Owner	Individual Name on Record
Tax Bill	$8,551 (2024)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-14-06-401-002.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-14-06-401-002.000-018`
Alternative APN	`1714060401002000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,980 sqft Living Area
1st Floor Area	2,188 sqft
Basement Area	2,188 sqft
Finished Basement	1,792 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Architectural Style	Other
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	20,473 sqft (0.469 acres)
Lot Dimensions	184 ft deep x 108 ft wide
Garage Type	Attached
Garage Area	1,056 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1714060401002000
Street Address	11020 TIMBER LN
City	CARMEL
State	IN
Zip	46032-3546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 6, TOWNSHIP 17, RANGE 4, JORDAN WOODS, SECTION 5, LOT 111
Legal Range	04
Legal Township	17
Legal Section	06
Legal Subdivision	CLAY JORDAN WOOD
Legal Block	5
Legal Lot Number	111
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1001
Census Tract	111006

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	11020 TIMBER LN, CARMEL, IN 46032-3546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage ELEMENTS FINANCIAL FCU
Oct 7, 2019	Deed of Trust, Mortgage · Construction Mortgage ELEMENTS FINANCIAL FCU
Jan 30, 2019	Personal Representative Deed, Transfer · Conventional Mortgage ELEMENTS FINANCIAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2019
Deed Sale	Jan 30, 2019
Prior Sale	Aug 18, 2003
Deed Document Number	2019003500
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	11020 TIMBER LN, CARMEL, IN 46032-3546
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000074201
Date	Oct 16, 2020
Instrument	2020074201

Lender

Name	ELEMENTS FINANCIAL FCU
Type	Credit Union
Address	INDIANAPOLIS, IN 46202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	11020 TIMBER LN, CARMEL, IN 46032-3546
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049408
Date	Oct 7, 2019
Instrument	2019049408

Lender

Name	ELEMENTS FINANCIAL FCU
Type	Credit Union
Address	INDIANAPOLIS, IN 46202

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2025
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	5.75%
Index	5-Year CMT
Max Rate	8.75%

January 2019: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	HAMILTON IN
Recording Date	Jan 30, 2019
Property Address	11020 TIMBER LN, CARMEL, IN 46032-3546
Document Number	2019003500
Map Reference	MB 2 PG 262&263
Instrument Date	Jan 30, 2019
Instrument	2019003500
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11020 TIMBER LN, CARMEL, IN 46032-3546

Mortgage

Document Number	2019003501
Date	Jan 30, 2019
Instrument	2019003501

Lender

Name	ELEMENTS FINANCIAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2034

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		$850,700 (-14.8%) Land $102,200 Building $748,500	$850,700 (-14.8%) Land $102,200 Building $748,500
2024	$8,551.00 (-23.83%)	$998,500 (-12.79%) Land $102,200 Building $896,300	$998,500 (-12.79%) Land $102,200 Building $896,300
2023	$11,226.00 (+3.69%) Homeowner's exemption	$1,144,900 (+22.16%) Land $86,900 Building $1,058,000	$1,144,900 (+22.16%) Land $86,900 Building $1,058,000
2022	$10,826.00 Homeowner's exemption	$937,200 Land $86,900 Building $850,300	$937,200 Land $86,900 Building $850,300

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	3 in force
Nearby Flood Claims	5 (1978–2017)
Claims Outside the SFHA	2 of 5
Most Recent Claim	May 2017 · river or lake flooding

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 95% of the US · lower than 68% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 217 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
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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