11633 River Rd, Carmel, IN 46033 Property Records

Hamilton County property record for 11633 River Rd, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 856 sqft · built 1946
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$106,300 (Jul 2021)
Tax Bill	$801 (2024)
Deeds & Mortgages	Sep 2025 Line of Credit Jul 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`29-10-34-307-007.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-34-307-007.000-018`
Alternative APN	`1710340307007000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	856 sqft Living Area
Gross Area	1,308 sqft
1st Floor Area	856 sqft
Basement Area	452 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Exterior Material	Wood Siding
Construction Type	Concrete Block
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	118 ft deep x 156 ft wide
Terrain	Low
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	11633 RIVER RD
City	CARMEL
State	IN
Zip	46033-8302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .40, SECTION 34, TOWNSHIP 18, RANGE 4
Legal Range	04
Legal Township	18
Legal Section	34
Legal Subdivision	CLAY
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3000
Census Tract	110912

Owner

Source: Hamilton County records, as of March 16, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	11633 RIVER RD, CARMEL, IN 46033-8302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
Jul 12, 2021	Affidavit of Death of Joint Tenant, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2021 · Amount on Record
Deed Sale	Jul 12, 2021 · Amount on Record
Deed Document Number	202150459
Prior Transfer Date	Jun 23, 2021
Prior Transfer Doc	2021050459
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	11633 RIVER RD, CARMEL, IN 46033-8302
Transaction Type	Mortgage
Record Updated	Oct 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11633 RIVER RD, CARMEL, IN 46033-8302

Mortgage

Document Number	0000041269
Date	Sep 25, 2025
Instrument	2025041269

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 17, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	HAMILTON IN
Recording Date	Jul 12, 2021
Property Address	11633 RIVER RD, CARMEL, IN 46033-8302
Document Number	2021050459
Instrument Date	Jun 23, 2021
Instrument	2021050459
Transaction Type	Transfer
Record Updated	Jul 28, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11633 RIVER RD, CARMEL, IN 46033-8302

Mortgage

Document Number	2021050460
Date	Jul 12, 2021
Instrument	2021050460

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 16, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$119,100 (+18.74%) Land $47,500 Building $71,600	$119,100 (+18.74%) Land $47,500 Building $71,600
2024	$801.00 (+26.74%)
2023	$632.00 (+22.72%)	$100,300 (+13.85%) Land $35,600 Building $64,700	$100,300 (+13.85%) Land $35,600 Building $64,700
2022	$515.00	$88,100 Land $35,600 Building $52,500	$88,100 Land $35,600 Building $52,500

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	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

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 118 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 / 35

May also be available: T-Mobile, Xfinity.

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