11604 River Rd, Carmel, IN 46033 Property Records

Hamilton County property record for 11604 River Rd, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,932 sqft · built 1971
Lot Size	0.83 acres (36,155 sqft)
Owner	Individual Name on File
Tax Bill	$2,430 (2024)
Deeds & Mortgages	May 2021 Mortgage Jul 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`29-10-34-309-015.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-34-309-015.000-018`
Alternative APN	`1710340309015000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,932 sqft Living Area
1st Floor Area	1,932 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	36,155 sqft (0.83 acres)
Lot Dimensions	250 ft deep x 159 ft wide
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1710340309015000
Street Address	11604 RIVER RD
City	CARMEL
State	IN
Zip	46033-9752
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 34, TOWNSHIP 18, RANGE 4, NORTHWOOD HILLS, SECTION 2, LOT 154
Legal Range	04
Legal Township	18
Legal Section	34
Legal Subdivision	NORTHWOOD HILLS SECOND SECTION
Legal Block	2
Legal Lot Number	154
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3016
Census Tract	110912

Owner

11604 River Rd is owned and occupied by an individual who acquired it in January 2008.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	11604 RIVER RD, CARMEL, IN 46033-9752
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
May 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 30, 2018	Deed of Trust, Mortgage HOMEWARD RESID'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2008
Deed Sale	Jan 2, 2008
Prior Sale	Mar 7, 2002
Deed Document Number	2008000244
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	11604 RIVER RD, CARMEL, IN 46033-9752
Transaction Type	Mortgage
Record Updated	Jun 14, 2021
Title Company	ACUITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021037279
Date	May 19, 2021
Instrument	2021037279

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	11604 RIVER RD, CARMEL, IN 46033-9752
Document Number	0000036105
Instrument Date	Jul 30, 2018
Transaction Type	Mortgage
Record Updated	Sep 4, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11609 RIVER RD CARMEL IN 460338302, CARMEL, IN 46033-8302

Mortgage

Document Number	0000036105
Date	Aug 6, 2018
Instrument	36105

Lender

Name	HOMEWARD RESID'L
Address	ADDISON, TX 75001

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2048

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		$267,000 Land $81,900 Building $185,100	$267,000 Land $81,900 Building $185,100
2024	$2,430.00 (-9.29%)
2023	$2,679.00 (+21.33%)	$269,500 (+28.52%) Land $63,600 Building $205,900	$269,500 (+28.52%) Land $63,600 Building $205,900
2022	$2,208.00	$209,700 Land $63,600 Building $146,100	$209,700 Land $63,600 Building $146,100

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

Flood

FEMA maps place 11604 River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File median of 34 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	34 in force
Nearby Flood Claims	33 (2005–2026)
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 · 30 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

Wildfire risk around 11604 River Rd 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet 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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