11411 River Dr E, Carmel, IN 46033 Property Records

Hamilton County property record for 11411 River Dr E, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,900 sqft · built 1965
Lot Size	0.239 acres (10,454 sqft)
Owner	Individual Name on File
Tax Bill	$1,640 (2024)
Deeds & Mortgages	Jan 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`29-14-03-102-018.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-14-03-102-018.000-018`
Alternative APN	`1714030102018000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,900 sqft Living Area
1st Floor Area	1,592 sqft
2nd Floor Area	308 sqft
Basement Area	828 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1980
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	10,454 sqft (0.239 acres)
Lot Dimensions	118 ft deep x 45 ft wide
Terrain	Low
Garage Type	Basement
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1714030102018000
Street Address	11411 RIVER DR E
City	CARMEL
State	IN
Zip	46033-9469
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 3, TOWNSHIP 17, RANGE 4, NORTHERN WOODS BEACH, LOT PT 20 & 21
Legal Range	04
Legal Township	17
Legal Section	03
Legal Subdivision	NORTHFIELD ESTATES
Legal Lot Number	20,21
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1001
Census Tract	111101

Owner

Source: Hamilton County assessment roll, as of July 1, 2025

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

Owner of Record	Individual Name on File
Mailing Address	11411 RIVER DR E, CARMEL, IN 46033-9469
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 26, 2009
Deed Sale	Aug 26, 2009
Prior Sale	Feb 9, 2004
Deed Document Number	0000051385
Record Updated	Jun 8, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	11411 RIVER DR E, CARMEL, IN 46033-9469
Transaction Type	Mortgage
Record Updated	Aug 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004184
Date	Jan 31, 2018
Instrument	2018004184

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2033

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		$214,300 (+15.78%) Land $33,100 Building $181,200	$214,300 (+15.78%) Land $33,100 Building $181,200
2024	$1,640.00 (+3.4%)	$185,100 (-) Land $33,100 Building $152,000	$185,100 (-) Land $33,100 Building $152,000
2023	$1,586.00 (+26.17%)	$185,100 (+20.82%) Land $33,100 Building $152,000	$185,100 (+20.82%) Land $33,100 Building $152,000
2022	$1,257.00	$153,200 Land $21,100 Building $132,100	$153,200 Land $21,100 Building $132,100

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 22 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	16 (1980–2026)
Most Recent Claim	Aug 2026 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Aug 2026 · 5 claims Severe Storms, Tornadoes, And Flooding, Jul 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 68% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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
Also Mapped Here	CITIZENS WATER - INDIANAPOLIS
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 56 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon, Xfinity.

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