1106 Ridge Rd, Carmel, IN 46033 Property Records

Hamilton County property record for 1106 Ridge Rd, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,000 sqft · built 1968
Lot Size	0.469 acres (20,473 sqft)
Owner	Individual Name on File
Last Sale	$238,000 (Jul 2016)
Tax Bill	$4,165 (2024)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-30-406-003.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-30-406-003.000-018`
Alternative APN	`1610300406003000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,000 sqft Living Area
1st Floor Area	1,200 sqft
2nd Floor Area	800 sqft
Basement Area	1,200 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Architectural Style	Other
Exterior Material	Brick
Construction Type	Wood
Roof Material	Asphalt
Lot Area	20,473 sqft (0.469 acres)
Lot Dimensions	201 ft deep x 114 ft wide
Terrain	Low
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1610300406003000
Street Address	1106 RIDGE RD
City	CARMEL
State	IN
Zip	46033-2359
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 30, TOWNSHIP 18, RANGE 4, COOL CREEK ESTATES, SECTION 1, LOT 11, IRREGULAR SHAPE
Legal Range	04
Legal Township	18
Legal Section	30
Legal Subdivision	CARMEL COOL CREEK
Legal Lot Number	11
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1002
Census Tract	111003

Owner

1106 Ridge Rd is owned and occupied by an individual who bought it in July 2016.

Source: Hamilton County records, as of March 4, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1106 RIDGE RD, CARMEL, IN 46033-2359
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage TEACHERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2016 · Amount on File
Deed Sale	Jul 18, 2016 · Amount on File
Deed Document Number	2016034281
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1106 RIDGE RD, CARMEL, IN 46033-2359
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1106 RIDGE RD, CARMEL, IN 46033-2359

Mortgage

Document Number	0000003008
Date	Jan 26, 2026
Instrument	2026003008

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1106 RIDGE RD, CARMEL, IN 46033-2359
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000075993
Date	Oct 20, 2021
Instrument	2021075993

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	178 Months
Due	Aug 1, 2036

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1106 RIDGE RD, CARMEL, IN 46033-2359
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062369
Date	Dec 9, 2019
Instrument	2019062369

Lender

Name	TEACHERS CU
Type	Credit Union
Address	SOUTH BEND, IN 46601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2040

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		$417,500 (+9.41%) Land $111,700 Building $305,800	$417,500 (+9.41%) Land $111,700 Building $305,800
2024	$4,165.00 (+11.27%)	$381,600 (+6.74%) Land $111,700 Building $269,900	$381,600 (+6.74%) Land $111,700 Building $269,900
2023	$3,743.00 (+8.9%) Homeowner's exemption	$357,500 (+17.83%) Land $82,300 Building $275,200	$357,500 (+17.83%) Land $82,300 Building $275,200
2022	$3,437.00	$303,400 Land $82,300 Building $221,100	$303,400 Land $82,300 Building $221,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1106 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

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	1 in force
Nearby Flood Claims	5 (1979–2003)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2003 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Sep 2003 · 3 claims

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

Wildfire risk around 1106 Ridge Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 78% 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 340 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
On-Ramp Indiana Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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