11924 River Rd, Carmel, IN 46033 Property Records

Hamilton County property record for 11924 River Rd, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,482 sqft · built 1972
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Oct 2025)
Tax Bill	$2,111 (2024)
Deeds & Mortgages	Apr 2021 Line of Credit Nov 2023 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`29-10-34-305-016.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-34-305-016.000-018`
Alternative APN	`1710340305016000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,482 sqft Living Area
1st Floor Area	1,482 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	210 ft deep x 130 ft wide
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1710340305016000
Street Address	11924 RIVER RD
City	CARMEL
State	IN
Zip	46033-8869
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 34, TOWNSHIP 18, RANGE 4, NORTHWOOD HILLS, SECTION 2, LOT 61
Legal Range	04
Legal Township	18
Legal Section	34
Legal Subdivision	NORTHWOOD HILLS SECOND SECTION
Legal Block	2
Legal Lot Number	61
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3017
Census Tract	110912

Owner

Source: Hamilton County records, as of March 5, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	11924 RIVER RD, CARMEL, IN 46033-8869
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · Line of Credit FINANCIAL CENTER FIRST CU
Nov 14, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 24, 2025	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 28, 2020	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Apr 9, 2018	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Dec 8, 2016	Loan Modification, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2025 · Amount on Record
Deed Sale	Oct 24, 2025 · Amount on Record
Prior Sale	Apr 9, 2018 · Amount on Record
Deed Document Number	2025045764
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	11924 RIVER RD, CARMEL, IN 46033-8869
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025487
Date	Apr 5, 2021
Instrument	2021025487

Lender

Name	FINANCIAL CENTER FIRST CU
Type	Credit Union
Address	INDIANAPOLIS, IN 46226

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	11924 RIVER RD, CARMEL, IN 46033-8869
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043116
Date	Nov 14, 2023
Instrument	2023043116

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 24, 2025
Property Address	11924 RIVER RD, CARMEL, IN 46033-8869
Document Number	0000045764
Map Reference	MB 2 PG 66-67
Instrument Date	Oct 23, 2025
Instrument	2025045764
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	MTC

Transaction

Amount	Amount Recorded
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	11924 RIVER RD, CARMEL, IN 46033-8869
Investor	Possibly a Property Investor

Mortgage

Document Number	0000045765
Date	Oct 24, 2025
Instrument	2025045765

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	11924 RIVER RD, CARMEL, IN 46033-8869
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000095503
Date	Dec 28, 2020
Instrument	2020095503

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	329 Months
Due	May 1, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Apr 9, 2018
Property Address	11924 RIVER RD, CARMEL, IN 46033-8869
Document Number	2018014854
Map Reference	MB2 PG66&67
Instrument Date	Apr 2, 2018
Instrument	2018014854
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11924 RIVER RD, CARMEL, IN 46033-8869

Mortgage

Document Number	2018014855
Date	Apr 9, 2018
Instrument	2018014855

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

December 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON IN
Property Address	11924 RIVER RD, CARMEL, IN 46033-8869
Document Number	0000002456
Instrument Date	Dec 8, 2016
Transaction Type	Mortgage
Record Updated	Aug 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11924 RIVER RD CARMEL IN 460338869, CARMEL, IN 46033-8869

Mortgage

Document Number	0000002456
Date	Jan 18, 2017
Instrument	2456

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 2047

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		$237,700 (+9.49%) Land $74,800 Building $162,900	$237,700 (+9.49%) Land $74,800 Building $162,900
2024	$2,111.00 (-9.28%)	$217,100 (-9.54%) Land $74,800 Building $142,300	$217,100 (-9.54%) Land $74,800 Building $142,300
2023	$2,327.00 (+12.47%)	$240,000 (+20.6%) Land $58,000 Building $182,000	$240,000 (+20.6%) Land $58,000 Building $182,000
2022	$2,069.00	$199,000 Land $58,000 Building $141,000	$199,000 Land $58,000 Building $141,000

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	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 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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