Hamilton County property record for 119 E Laredo Way S, Carmel, IN 46032
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,037 sqft · built 1989 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,049 (2024) |
| Deeds & Mortgages | Nov 2023 Line of Credit Nov 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-09-14-304-009.000-015 |
| Primary APN | 29-09-14-304-009.000-015 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 3,037 sqft Living Area |
| Gross Area | 4,602 sqft |
| 1st Floor Area | 3,212 sqft |
| 2nd Floor Area | 1,186 sqft |
| Basement Area | 700 sqft |
| Finished Basement | 525 sqft |
| Unfinished Basement | 175 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Roof Material | Asphalt |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 155 ft deep x 98 ft wide |
| Garage Type | Attached |
| Garage Area | 1,390 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 119 E LAREDO WAY S |
|---|---|
| City | CARMEL |
| State | IN |
| Zip | 46032-5162 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .36, SECTION 14, TOWNSHIP 18, RANGE 3, VILLAGE FARMS, SECTION 8, LOT 512 |
| Legal Range | 03 |
| Legal Township | 18 |
| Legal Section | 14 |
| Legal Subdivision | VILLAGE FARMS SECTION 8 |
| Legal Block | 8 |
| Legal Lot Number | 512 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | WESTFIELD WASHINGTON |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 110404 |
119 E Laredo Way S is owned and occupied by two individuals who acquired it in November 2025.
Source: Hamilton County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 119 E LAREDO WAY S, CARMEL, IN 46032-5162 |
| 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.
| Date | Document |
|---|---|
| Nov 15, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Nov 3, 2025 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Nov 4, 2025 | Re-recorded Document UNKNOWN, SUMMIT TITLE LLC |
| Aug 23, 2021 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2025 |
| Deed Sale | Nov 4, 2025 |
| Prior Sale | Nov 3, 2025 · Amount on File |
| Deed Document Number | 202547831 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 119 E LAREDO WAY S, CARMEL, IN 46032-5162 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000043333 |
|---|---|
| Date | Nov 15, 2023 |
| Instrument | 2023043333 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 21, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Nov 3, 2025 |
| Property Address | 119 E LAREDO WAY S, CARMEL, IN 46032-5162 |
| Document Number | 0000047458 |
| Map Reference | MB 16 PG 57-59 |
| Instrument Date | Nov 3, 2025 |
| Instrument | 2025047458 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2026 |
| Title Company | SUMMIT TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 119 E LAREDO WAY S, CARMEL, IN 46032-5162 |
| Name | Verified Name |
|---|---|
| Address | 119 E LAREDO WAY S, CARMEL, IN 46032-5162 |
| Document Number | 0000047459 |
|---|---|
| Date | Nov 3, 2025 |
| Instrument | 2025047459 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Nov 4, 2025 |
| Property Address | 119 E LAREDO WAY S, CARMEL, IN 46032-5162 |
| Document Number | 0000047831 |
| Map Reference | MB 16 PG 57-59 |
| Instrument Date | Nov 3, 2025 |
| Instrument | 2025047831 |
| Record Updated | Nov 28, 2025 |
| Title Company | UNKNOWN, SUMMIT TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Name | Verified Name |
|---|---|
| Address | 119 E LAREDO WAY S, CARMEL, IN 46032-5162 |
| Name | Verified Name |
|---|---|
| Address | 119 E LAREDO WAY S, CARMEL, IN 46032-5162 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Aug 23, 2021 |
| Property Address | 119 E LAREDO WAY S, CARMEL, IN 46032-5162 |
| Document Number | 0000061233 |
| Map Reference | MB 16 PG 57-59 |
| Instrument Date | Aug 20, 2021 |
| Instrument | 2021061233 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | MTC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 119 E LAREDO WAY S, CARMEL, IN 46032-5162 |
| Document Number | 0000061234 |
|---|---|
| Date | Aug 23, 2021 |
| Instrument | 2021061234 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
Source: Hamilton County assessment roll, as of March 16, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Westfield Washington Township |
| Municipality | Westfield City |
| Unified School District | Westfield-Washington Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $451,600 (+2.4%) Land $85,000 Building $366,600 | $451,600 (+2.4%) Land $85,000 Building $366,600 | |
| 2024 | $5,049.00 (+5.5%) | $441,000 (+4.75%) Land $65,000 Building $376,000 | $441,000 (+4.75%) Land $65,000 Building $376,000 |
| 2023 | $4,786.00 (+6.83%) Homeowner's exemption | $421,000 (+10.5%) Land $65,000 Building $356,000 | $421,000 (+10.5%) Land $65,000 Building $356,000 |
| 2022 | $4,480.00 Homeowner's exemption | $381,000 Land $65,000 Building $316,000 | $381,000 Land $65,000 Building $316,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 119 E Laredo Way S 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 |
| Nearby Flood Policies | 2 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 risk around 119 E Laredo Way S 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITIZENS WATER OF WESTFIELD, LLC private · serves 61,493 people · EPA ID IN5229009 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 312 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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