11404 Central Dr E, Carmel, IN 46032 Property Records

Hamilton County property record for 11404 Central Dr E, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,917 sqft · built 1967
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,373 (2024)
Deeds & Mortgages	Dec 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-13-02-206-007.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-02-206-007.000-018`
Alternative APN	`1713020206007000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,917 sqft Living Area
1st Floor Area	1,227 sqft
2nd Floor Area	690 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	182 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1713020206007000
Street Address	11404 CENTRAL DR E
City	CARMEL
State	IN
Zip	46032-4510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 2, TOWNSHIP 17, RANGE 3, NORTHERN HEIGHTS, LOT 56
Legal Range	03
Legal Township	17
Legal Section	02
Legal Subdivision	NORTHERN HEIGHTS
Legal Lot Number	56
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2010
Census Tract	111006

Owner

Source: Hamilton County records · APN 29-13-02-206-007.000-018

Assessment roll updated July 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	11404 CENTRAL DR E, CARMEL, IN 46032-4510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	11404 CENTRAL DR E, CARMEL, IN 46032-4510
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018060374
Date	Dec 28, 2018
Instrument	2018060374

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 24, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Hamilton County records · Assessment roll updated July 1, 2025 · Last verified March 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$258,200 (+9.73%) Land $81,200 Building $177,000	$258,200 (+9.73%) Land $81,200 Building $177,000
2024	$2,373.00 (+3.81%)	$235,300 (-) Land $81,200 Building $154,100	$235,300 (-) Land $81,200 Building $154,100
2023	$2,286.00 (-7.97%)	$235,300 (+1.91%) Land $81,200 Building $154,100	$235,300 (+1.91%) Land $81,200 Building $154,100
2022	$2,484.00	$230,900 Land $59,800 Building $171,100	$230,900 Land $59,800 Building $171,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 5, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	7 in force
Nearby Flood Claims	6 (1986–2011)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Jun 2011 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Jun 2008 · 2 claims

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Xfinity.

Based on FCC filings for 134 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CARMEL WATER DEPARTMENT serves 99,927 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.