11880 Spring Mill Rd, Carmel, IN 46032 Property Records

Hamilton County property record for 11880 Spring Mill Rd, Carmel, IN 46032

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 3,080 sqft · built 2024
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on File
Last Sale	$1,440,658 (Mar 2025)
Tax Bill	$44 (2023)
Deeds & Mortgages	Sep 2026 Line of Credit Mar 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-34-020-045.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-34-020-045.000-018`
Alternative APN	`1709340020045000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,080 sqft Living Area
Gross Area	4,034 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Condo/Apartment
Construction Type	Brick
Roof Material	Asphalt
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Attached
Garage Area	954 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	11880 SPRING MILL RD
City	CARMEL
State	IN
Zip	46032-0098
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	ACREAGE .08, SECTION 34, TOWNSHIP 18, RANGE 3, JACKSONS GRANT VILLAGE/TOWNHOMES, SECTION 2, LOT 66, IRREGULAR SHAPE
Legal Subdivision	JACKSONS GRANT VILLAGE/TOWNHOMES SECTION
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3021
Census Tract	111009

Owner

11880 Spring Mill Rd, a condominium, is owned and occupied by two individuals who bought it in March 2025.

Source: Hamilton County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11880 SPRING MILL RD, CARMEL, IN 46032-0098
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 29, 2026	Deed of Trust, Mortgage · Line of Credit LAKE CITY BANK
Mar 31, 2025	Warranty Deed, Transfer · Commercial Mortgage LAKE CITY BANK
Jan 31, 2024	Warranty Deed, Construction Loan · Construction Mortgage FIRST INTERNET BANK OF INDIANA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2025 · Amount on File
Deed Sale	Mar 31, 2025 · Amount on File
Deed Document Number	202512007
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Recording Date	Sep 29, 2026
Property Address	11880 SPRING MILL RD, CARMEL, IN 46032-0098
Document Number	0000044679
Instrument Date	Sep 24, 2026
Instrument	202644679
Transaction Type	Mortgage
Record Updated	Oct 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11880 SPRING MILL RD, CARMEL, IN 46032-0098

Mortgage

Document Number	0000044679,
Date	Sep 29, 2026
Instrument	202644679

Lender

Name	LAKE CITY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2056

Interest

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

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Mar 31, 2025
Property Address	11880 SPRING MILL RD, CARMEL, IN 46032-0098
Document Number	0000012007
Map Reference	DOC 2023042671
Instrument Date	Mar 27, 2025
Instrument	2025012007
Transaction Type	Transfer
Record Updated	Mar 5, 2026
Title Company	INDIANA HOME TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11880 SPRING MILL RD, CARMEL, IN 46032-0098

Mortgage

Document Number	0000012793
Date	Apr 4, 2025
Instrument	2025012793

Lender

Name	LAKE CITY BANK
Type	Bank
Address	WARSAW, IN 46581

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	73 Months
Due	May 6, 2031

January 2024: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jan 31, 2024
Property Address	11880 SPRING MILL RD, CARMEL, IN 46032-0098
Document Number	0000003300
Map Reference	DOC 2023042671
Instrument Date	Jan 30, 2024
Instrument	2024003300
Transaction Type	Construction Loan
Record Updated	Mar 5, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4631 LISBORN DR, CARMEL, IN 46033-2200
Investor	Possibly a Property Investor

Mortgage

Document Number	0000003301
Date	Jan 31, 2024
Instrument	2024003301

Lender

Name	FIRST INTERNET BANK OF INDIANA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	20 Months
Due	Aug 31, 2025

Interest

Rate Type	Adjustable Rate

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		$354,100 Land $185,700 Building $168,400	$354,100 Land $185,700 Building $168,400
2023	$44.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 11880 Spring Mill Rd 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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 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

Wildfire risk around 11880 Spring Mill 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 96% of the US · lower than 73% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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