118 Harmony Rd, Carmel, IN 46032 Property Records

Hamilton County property record for 118 Harmony Rd, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,632 sqft · built 1969
Lot Size	0.419 acres (18,295 sqft)
Owner	Individual on Record
Tax Bill	$2,995 (2024)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-09-23-203-014.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-23-203-014.000-018`
Alternative APN	`1709230203014000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,632 sqft Living Area
1st Floor Area	1,632 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	18,295 sqft (0.419 acres)
Lot Dimensions	164 ft deep x 114 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1709230203014000
Street Address	118 HARMONY RD
City	CARMEL
State	IN
Zip	46032-1138
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 23, TOWNSHIP 18, RANGE 3, VILLAGE OF MT CARMEL, SECTION 4, LOT 100
Legal Range	03
Legal Township	18
Legal Section	23
Legal Subdivision	VILLAGE OF MOUNT CARMEL
Legal Block	4
Legal Lot Number	100
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3012
Census Tract	110906

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 on Record
Mailing Address	118 HARMONY RD, CARMEL, IN 46032-1138
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Deed of Trust, Mortgage · Line of Credit LENDING COMPANY
Apr 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2011
Deed Sale	Aug 8, 2011
Deed Document Number	2011037764
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Jul 24, 2026
Property Address	118 HARMONY RD, CARMEL, IN 46032-1138
Document Number	0000033479
Instrument Date	Jul 20, 2026
Instrument	202633479
Transaction Type	Mortgage
Record Updated	Aug 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 HARMONY RD, CARMEL, IN 46032-1138

Mortgage

Document Number	0000033479,
Date	Jul 24, 2026
Instrument	202633479

Lender

Name	LENDING COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 20, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.47%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	118 HARMONY RD, CARMEL, IN 46032-1138
Transaction Type	Mortgage
Record Updated	Jun 9, 2023
Title Company	PROGRESSIVE LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1901 E VOORHEES ST C, C, DANVILLE, IL 61834-4512

Mortgage

Document Number	0000019942
Date	Apr 14, 2020
Instrument	2020019942

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	May 1, 2035

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		$330,400 (+14.76%) Land $86,200 Building $244,200	$330,400 (+14.76%) Land $86,200 Building $244,200
2024	$2,995.00 (+2.99%)
2023	$2,908.00 (+9.12%)	$287,900 (+16.09%) Land $86,200 Building $201,700	$287,900 (+16.09%) Land $86,200 Building $201,700
2022	$2,665.00	$248,000 Land $86,200 Building $161,800	$248,000 Land $86,200 Building $161,800

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 96% of the US · lower than 73% 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 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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