11809 Harvard Ln, Carmel, IN 46032 Property Records

Hamilton County property record for 11809 Harvard Ln, Carmel, IN 46032

Property Summary

Property Type	Condominium
Details	3 bd · 3.5 ba · 2,300 sqft · built 2006
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on File
Last Sale	$512,981 (Jun 2026)
Tax Bill	$3,404 (2024)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Feb 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-36-303-066.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-36-303-066.000-018`
Alternative APN	`1709360303066000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	2,300 sqft Living Area
Gross Area	3,220 sqft
1st Floor Area	2,300 sqft
2nd Floor Area	920 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Row Home
Construction Type	Brick
Roof Material	Asphalt
Lot Area	1,742 sqft (0.04 acres)
Lot Dimensions	65.7 ft deep x 24 ft wide
Garage Type	Attached
Garage Area	920 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	11809 HARVARD LN
City	CARMEL
State	IN
Zip	46032-4663
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	ACREAGE .04, SECTION 36, TOWNSHIP 18, RANGE 3, TOWNHOMES AT GUILFORD, LOT 1304
Legal Range	03
Legal Township	18
Legal Section	36
Legal Subdivision	TOWNHOMES AT GUILFORD
Legal Lot Number	1304
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2015
Census Tract	111012

Owner

11809 Harvard Ln, a condominium, is owned and occupied by two individuals who bought it in June 2026.

Source: Hamilton County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11809 HARVARD LN, CARMEL, IN 46032-4663
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

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
Jun 30, 2026	Warranty Deed, Transfer · Conventional Mortgage ELEMENTS FINANCIAL FEDERAL CREDIT UNION
Feb 6, 2026	Deed of Trust, Mortgage · Line of Credit HORIZON BANK
Aug 31, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 17, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MJW FINANCIAL LLC
Aug 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage STATE FARM BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2026 · Amount on File
Deed Sale	Jun 30, 2026 · Amount on File
Prior Sale	Aug 31, 2021 · Amount on File
Deed Document Number	202629416
Prior Transfer Date	Mar 16, 2021
Prior Transfer Doc	0000020654
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 30, 2026
Property Address	11809 HARVARD LN, CARMEL, IN 46032-4663
Document Number	0000029416
Instrument Date	Jun 30, 2026
Instrument	202629416
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	SUMMIT LDS TITLE, SUMMIT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11809 HARVARD LN, CARMEL, IN 46032-4663

Mortgage

Document Number	0000029417,
Date	Jun 30, 2026
Instrument	202629417

Lender

Name	ELEMENTS FINANCIAL FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	11809 HARVARD LN, CARMEL, IN 46032-4663
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11809 HARVARD LN, CARMEL, IN 46032-4663

Mortgage

Document Number	0000004904
Date	Feb 6, 2026
Instrument	2026004904

Lender

Name	HORIZON BANK
Type	Bank
Address	MICHIGAN CITY, IN 46360

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	205 Months
Due	Feb 28, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 31, 2021
Property Address	11809 HARVARD LN, CARMEL, IN 46032-4663
Document Number	2021063618
Map Reference	DOC 200500042066
Instrument Date	Aug 25, 2021
Instrument	2021063618
Transaction Type	Transfer
Record Updated	Oct 6, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11809 HARVARD LN, CARMEL, IN 46032-4663

Mortgage

Document Number	2021063619
Date	Aug 31, 2021
Instrument	2021063619

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON IN
Recording Date	Mar 17, 2021
Property Address	11809 HARVARD LN, CARMEL, IN 46032-4663
Document Number	2021020654
Map Reference	DOC 200500042066
Instrument Date	Mar 8, 2021
Instrument	2021020654
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11809 HARVARD LN, CARMEL, IN 46032-4663

Mortgage

Document Number	2021020655
Date	Mar 17, 2021
Instrument	2021020655

Lender

Name	MJW FINANCIAL LLC
Type	Mortgage Company

Agreement

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

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	11809 HARVARD LN, CARMEL, IN 46032-4663
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040495
Date	Aug 30, 2018
Instrument	2018040495

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	EARTH CITY, MO 63045

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

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		$365,200 (+14.3%) Land $95,000 Building $270,200	$365,200 (+14.3%) Land $95,000 Building $270,200
2024	$3,404.00 (+4.45%)	$319,500 (+0.63%) Land $95,000 Building $224,500	$319,500 (+0.63%) Land $95,000 Building $224,500
2023	$3,259.00 (-5.37%)	$317,500 (+3.96%) Land $95,000 Building $222,500	$317,500 (+3.96%) Land $95,000 Building $222,500
2022	$3,444.00	$305,400 Land $64,000 Building $241,400	$305,400 Land $64,000 Building $241,400

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

Flood

FEMA maps place 11809 Harvard Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 5, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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	1 in force

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

The area around 11809 Harvard Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 127 locations within half a mile, as of December 31, 2025

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

May also be available: Metronet, Xfinity.

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