1109 Ridge Rd, Carmel, IN 46033 Property Records

Hamilton County property record for 1109 Ridge Rd, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,083 sqft · built 1967
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on File
Last Sale	$260,900 (Jul 2011)
Tax Bill	$5,215 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-30-407-003.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-30-407-003.000-018`
Alternative APN	`1610300407003000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,083 sqft Living Area
Gross Area	4,434 sqft
1st Floor Area	3,378 sqft
2nd Floor Area	1,176 sqft
Basement Area	882 sqft
Finished Basement	587 sqft
Unfinished Basement	295 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Brick
Construction Type	Brick
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	164 ft deep x 104 ft wide
Garage Type	Attached
Garage Area	1,056 sqft
Parking Spaces	2 Parking Spaces
Pool Area	684 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1109 RIDGE RD
City	CARMEL
State	IN
Zip	46033-2358
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 28
Legal Range	04
Legal Township	18
Legal Section	30
Legal Subdivision	COOL CREEK ESTATES SECTION 1
Legal Lot Number	28
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1003
Census Tract	111003

Owner

1109 Ridge Rd is owned and occupied by an individual who acquired it in September 2025.

Source: Hamilton County records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	1109 RIDGE RD, CARMEL, IN 46033-2358
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Apr 29, 2026	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Apr 14, 2026	Quit Claim Deed, Transfer VYLLA TITLE LLC, VYLLA TITLE
Mar 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2011 · Amount on File
Deed Sale	Jul 7, 2011 · Amount on File
Deed Document Number	201132604
Last Transfer Date	Sep 12, 2025
Transfer Doc	0000015720
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Apr 29, 2026
Property Address	1109 RIDGE RD, CARMEL, IN 46033-2358
Document Number	0000018439
Instrument Date	Apr 16, 2026
Instrument	202618439
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 RIDGE RD, CARMEL, IN 46033-2358

Mortgage

Document Number	0000018439,
Date	Apr 29, 2026
Instrument	202618439

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 12, 2046

Interest

Rate	6.22%
Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON IN
Recording Date	Apr 14, 2026
Property Address	1109 RIDGE RD, CARMEL, IN 46033-2358
Document Number	0000015720
Instrument Date	Sep 12, 2025
Instrument	202615720
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	VYLLA TITLE LLC, VYLLA TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 RIDGE RD, CARMEL, IN 46033-2358

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1109 RIDGE RD, CARMEL, IN 46033-2358
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014697
Date	Mar 23, 2022
Instrument	2022014697

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

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		$511,900 (+9.92%) Land $108,800 Building $403,100	$511,900 (+9.92%) Land $108,800 Building $403,100
2024	$5,215.00 (+1.34%)	$465,700 (+0.34%) Land $108,800 Building $356,900	$465,700 (+0.34%) Land $108,800 Building $356,900
2023	$5,146.00 (+13.87%) Homeowner's exemption	$464,100 (+18.57%) Land $80,200 Building $383,900	$464,100 (+18.57%) Land $80,200 Building $383,900
2022	$4,519.00 Homeowner's exemption	$391,400 Land $80,200 Building $311,200	$391,400 Land $80,200 Building $311,200

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

Flood

FEMA maps place 1109 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 1109 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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