1128 Clairborne Ct, Carmel (Indianapolis), IN 46280 Property Records

Hamilton County property record for 1128 Clairborne Ct, Carmel, IN 46280

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,016 sqft · built 1989
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,141 (2024)
Deeds & Mortgages	Aug 2026 Reverse Mortgage Aug 2026 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-13-01-311-018.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-01-311-018.000-018`
Alternative APNs	`291301311018000003` `1713010311018000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,016 sqft Living Area
1st Floor Area	2,016 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	156 ft deep x 42 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	1713010311018000
Old Parcel Number	291301311018000003
Street Address	1128 CLAIRBORNE CT
City	CARMEL
State	IN
Zip	46280-1100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .26, SECTION 1, TOWNSHIP 17, RANGE 3, LEXINGTON FARMS, SECTION 1, LOT 6
Legal Range	03
Legal Township	17
Legal Section	01
Legal Subdivision	LEXINGTON FARMS SEC 01
Legal Block	1
Legal Lot Number	6
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1009
Census Tract	111006

Owner

1128 Clairborne Ct is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	1128 CLAIRBORNE CT, CARMEL, IN 46280-1100
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
Aug 26, 2026	Deed of Trust · Reverse Mortgage NONE LISTED ON DOCUMENT
Aug 26, 2026	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Feb 27, 2025	Deed of Trust, Mortgage · Reverse Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Aug 26, 2026
Property Address	1128 CLAIRBORNE CT, CARMEL, IN 46280-1100
Document Number	0000039259
Instrument Date	Aug 19, 2026
Instrument	202639259
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1128 CLAIRBORNE CT, CARMEL, IN 46280-1100

Mortgage

Document Number	0000039259,
Date	Aug 26, 2026
Instrument	202639259

Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	856 Months
Due	Dec 5, 2097

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Aug 26, 2026
Property Address	1128 CLAIRBORNE CT, CARMEL, IN 46280-1100
Document Number	0000039258
Instrument Date	Aug 19, 2026
Instrument	202639258
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1128 CLAIRBORNE CT, CARMEL, IN 46280-1100

Mortgage

Document Number	0000039258,
Date	Aug 26, 2026
Instrument	202639258

Lender

Name	FINANCE OF AMERICA REVERSE LLC

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	856 Months
Due	Dec 5, 2097

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1128 CLAIRBORNE CT, CARMEL, IN 46280-1100
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1128 CLAIRBORNE CT, CARMEL, IN 46280-1100
Investor	Possibly a Property Investor

Mortgage

Document Number	0000007624
Date	Feb 27, 2025
Instrument	2025007624

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	874 Months
Due	Dec 5, 2097

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2025
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	11.7%

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		$405,700 (+6.85%) Land $104,000 Building $301,700	$405,700 (+6.85%) Land $104,000 Building $301,700
2024	$4,141.00 (+7.81%)	$379,700 (+3.86%) Land $104,000 Building $275,700	$379,700 (+3.86%) Land $104,000 Building $275,700
2023	$3,841.00 (+6.96%)	$365,600 (+15.15%) Land $89,900 Building $275,700	$365,600 (+15.15%) Land $89,900 Building $275,700
2022	$3,591.00	$317,500 Land $89,900 Building $227,600	$317,500 Land $89,900 Building $227,600

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

Flood

FEMA maps place 1128 Clairborne Ct in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1978.

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

Wildfire risk around 1128 Clairborne Ct 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 98% of the US · lower than 85% 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 399 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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