Hamilton County property record for 11348 Royal Pl, Carmel, IN 46032
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,117 sqft · built 1994 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $547,960 (Apr 2026) |
| Tax Bill | $4,522 (2024) |
| Deeds & Mortgages | Jun 2022 Line of Credit May 2025 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-13-04-001-011.000-018 |
| Primary APN | 29-13-04-001-011.000-018 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,117 sqft Living Area |
| Gross Area | 3,129 sqft |
| 1st Floor Area | 2,117 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 205 ft deep x 58.8 ft wide |
| Garage Type | Attached |
| Garage Area | 1,012 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Central |
|---|
| Street Address | 11348 ROYAL PL |
|---|---|
| City | CARMEL |
| State | IN |
| Zip | 46032-8698 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .50, SECTION 4, TOWNSHIP 17, RANGE 3, SUTTON PLACE, SECTION 1, LOT 11 |
| Legal Range | 03 |
| Legal Township | 17 |
| Legal Section | 04 |
| Legal Subdivision | SUTTON PLACE SECTION 1 |
| Legal Lot Number | 11 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 111009 |
11348 Royal Pl is owned and occupied by an individual who bought it in April 2026.
Source: Hamilton County records, as of May 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11348 ROYAL PL, CARMEL, IN 46032-8698 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 3, 2022 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| May 16, 2025 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Mar 23, 2021 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Apr 27, 2026 | Warranty Deed, Transfer · Conventional Mortgage LOWER LLC |
| Apr 27, 2026 | Warranty Deed, Transfer · Conventional Mortgage LOWER LLC |
| Mar 23, 2021 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Feb 26, 2019 | Deed of Trust, Mortgage GUARANTEED RATE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 27, 2026 · Amount on File |
| Deed Sale | Apr 27, 2026 · Amount on File |
| Deed Document Number | 202617779 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 11348 ROYAL PL, CARMEL, IN 46032-8698 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Title Company | ATI |
| Name | Verified Name |
|---|---|
| Address | 11348 ROYAL PL, CARMEL, IN 46032-8698 |
| Document Number | 0000027468 |
|---|---|
| Date | Jun 3, 2022 |
| Instrument | 2022027468 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 9, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 11348 ROYAL PL, CARMEL, IN 46032-8698 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Title Company | HAMILTON LAND, HAMILTON |
| Name | Verified Name |
|---|---|
| Address | 11348 ROYAL PL, CARMEL, IN 46032-8698 |
| Document Number | 0000018921 |
|---|---|
| Date | May 16, 2025 |
| Instrument | 2025018921 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 9, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 11348 ROYAL PL, CARMEL, IN 46032-8698 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000022231 |
|---|---|
| Date | Mar 23, 2021 |
| Instrument | 2021022231 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Apr 27, 2026 |
| Property Address | 11348 ROYAL PL, CARMEL, IN 46032-8698 |
| Document Number | 0000017779 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 2026.17779 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2026 |
| Title Company | SUMMA TITLE, SUMMIT TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11348 ROYAL PL, CARMEL, IN 46032-8698 |
| Document Number | 0000017780, |
|---|---|
| Date | Apr 27, 2026 |
| Instrument | 2026..17780 |
| Name | LOWER LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Apr 27, 2026 |
| Property Address | 11348 ROYAL PL, CARMEL, IN 46032-8698 |
| Document Number | 0000017779 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 202617779 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | SUMMIT LDS TITLE, SUMMIT TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11348 ROYAL PL, CARMEL, IN 46032-8698 |
| Document Number | 0000017780, |
|---|---|
| Date | Apr 27, 2026 |
| Instrument | 202617780 |
| Name | LOWER LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 11348 ROYAL PL, CARMEL, IN 46032-8698 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021022231 |
|---|---|
| Date | Mar 23, 2021 |
| Instrument | 2021022231 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 11348 ROYAL PL, CARMEL, IN 46032-8698 |
| Document Number | 0000007610 |
| Instrument Date | Feb 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2019 |
| Title Company | TITLE COMPANY LLC, TITLE CO LLC |
| Name | Verified Name |
|---|---|
| Address | 11348 ROYAL PL CARMEL IN 460328698, CARMEL, IN 46032-8698 |
| Document Number | 0000007610 |
|---|---|
| Date | Mar 4, 2019 |
| Instrument | 7610 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 3, 2049 |
Source: Hamilton County assessment roll, as of March 16, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Clay Township |
| Municipality | Carmel City |
| Unified School District | Carmel Clay Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $447,600 (+9.12%) Land $145,100 Building $302,500 | $447,600 (+9.12%) Land $145,100 Building $302,500 | |
| 2024 | $4,522.00 (+24.23%) | $410,200 (+17.54%) Land $145,100 Building $265,100 | $410,200 (+17.54%) Land $145,100 Building $265,100 |
| 2023 | $3,640.00 (-4.21%) Homeowner's exemption | $349,000 (+4.02%) Land $145,100 Building $203,900 | $349,000 (+4.02%) Land $145,100 Building $203,900 |
| 2022 | $3,800.00 Homeowner's exemption | $335,500 Land $101,300 Building $234,200 | $335,500 Land $101,300 Building $234,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11348 Royal Pl in Zone X, an area of minimal flood risk.
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 risk around 11348 Royal Pl 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.
Source: FCC Broadband Data Collection, based on 140 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless · DSL in parts of the area | 100 / 20 |
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