11140 Ditch Rd, Carmel, IN 46032 Property Records

Hamilton County property record for 11140 Ditch Rd, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,287 sqft · built 1985
Lot Size	1.6 acres (69,696 sqft)
Owner	Individual Name on Record
Last Sale	$729,106 (May 2021)
Tax Bill	$8,347 (2024)
Deeds & Mortgages	Sep 2023 Transfer May 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`29-13-04-000-083.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-04-000-083.000-018`
Alternative APNs	`291304000083000034` `1713040000083000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	1 Story
Building Area	4,287 sqft Living Area
Gross Area	6,797 sqft
1st Floor Area	3,137 sqft
Basement Area	1,500 sqft
Finished Basement	1,150 sqft
Unfinished Basement	350 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Construction Type	Brick
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	69,696 sqft (1.6 acres)
Garage Type	Attached
Garage Area	2,160 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	11140 DITCH RD
City	CARMEL
State	IN
Zip	46032-9548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE 1.60, SECTION 4, TOWNSHIP 17, RANGE 3, CROOKED STICK ESTATES, SECTION 5, LOT 91
Legal Range	03
Legal Township	17
Legal Section	04
Legal Subdivision	CROOKED STICK ESTATES SECTION 5
Legal Lot Number	91
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2010
Census Tract	111009

Owner

Source: Hamilton County records, as of March 16, 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	11140 DITCH RD, CARMEL, IN 46032-9548
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Intrafamily Transfer, Transfer
May 10, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Feb 16, 2018	Deed of Trust, Mortgage · Line of Credit KEYBANK USA
Dec 29, 2017	Deed of Trust, Mortgage · Line of Credit KEYBANK USA
Oct 23, 2017	Deed of Trust, Mortgage · Line of Credit KEYBANK USA
Jul 18, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2021 · Amount on Record
Deed Sale	May 10, 2021 · Amount on Record
Prior Sale	May 9, 2014 · Amount on Record
Deed Document Number	202135062
Prior Transfer Date	May 3, 2021
Prior Transfer Doc	2021035062
Record Updated	Oct 29, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON IN
Recording Date	Sep 29, 2023
Property Address	11140 DITCH RD, CARMEL, IN 46032-9548
Document Number	0000037576
Map Reference	MISC 189 PG 295
Instrument Date	Sep 25, 2023
Instrument	2023037576
Transaction Type	Transfer
Record Updated	Oct 23, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11140 DITCH RD, CARMEL, IN 46032-9548

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON IN
Recording Date	May 10, 2021
Property Address	11140 DITCH RD, CARMEL, IN 46032-9548
Document Number	2021035062
Map Reference	MB 5 PG 161-163
Instrument Date	May 3, 2021
Instrument	2021035062
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	SPRUCE LAND SERVICES LLC, SPRUCE LAND SERVICE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11140 DITCH RD, CARMEL, IN 46032-9548

Mortgage

Document Number	2021035063
Date	May 10, 2021
Instrument	2021035063

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	11140 DITCH RD, CARMEL, IN 46032-9548
Document Number	0000012961
Instrument Date	Feb 16, 2018
Transaction Type	Mortgage
Record Updated	Apr 16, 2018
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11140 DITCH RD CARMEL IN 460329548, CARMEL, IN 46032-9548

Mortgage

Document Number	0000012961
Date	Mar 27, 2018
Instrument	12961

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2048

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	11140 DITCH RD, CARMEL, IN 46032-9548
Document Number	0000001638
Instrument Date	Dec 29, 2017
Transaction Type	Mortgage
Record Updated	Feb 20, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11140 DITCH RD CARMEL IN 460329548, CARMEL, IN 46032-9548

Mortgage

Document Number	0000001638
Date	Jan 16, 2018
Instrument	1638

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 2048

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	11140 DITCH RD, CARMEL, IN 46032-9548
Document Number	0000055957
Instrument Date	Oct 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 31, 2018
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11140 DITCH RD CARMEL IN 460329548, CARMEL, IN 46032-9548

Mortgage

Document Number	0000055957
Date	Nov 13, 2017
Instrument	55957

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2047

Interest

Rate Type	Adjustable Rate

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON IN
Recording Date	Jul 18, 2017
Property Address	11140 DITCH RD, CARMEL, IN 46032-9548
Document Number	0000034078
Instrument Date	Jun 27, 2017
Instrument	34078
Transaction Type	Transfer
Record Updated	Jan 22, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11140 DITCH RD CARMEL IN 460329548, CARMEL, IN 46032-9548

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		$770,000 (+11.93%) Land $310,000 Building $460,000	$770,000 (+11.93%) Land $310,000 Building $460,000
2024	$8,347.00 (+1.5%)
2023	$8,224.00 (+2.25%) Homeowner's exemption	$687,900 (+2.12%) Land $310,000 Building $377,900	$687,900 (+2.12%) Land $310,000 Building $377,900
2022	$8,043.00 Homeowner's exemption	$673,600 Land $220,100 Building $453,500	$673,600 Land $220,100 Building $453,500

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	8 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 94% of the US · lower than 63% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Spectrum, T-Mobile.

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