11964 River Rd, Carmel, IN 46033 Property Records

Hamilton County property record for 11964 River Rd, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,049 sqft · built 1968
Lot Size	0.569 acres (24,829 sqft)
Owner	Individual Name on File
Tax Bill	$2,694 (2024)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`29-10-34-304-018.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-34-304-018.000-018`
Alternative APN	`1710340304018000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,049 sqft Living Area
1st Floor Area	1,323 sqft
2nd Floor Area	726 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Architectural Style	Other
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	24,829 sqft (0.569 acres)
Lot Dimensions	185 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1710340304018000
Street Address	11964 RIVER RD
City	CARMEL
State	IN
Zip	46033-9754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 34, TOWNSHIP 18, RANGE 4, NORTHWOOD HILLS, SECTION 1, LOT 1
Legal Range	04
Legal Township	18
Legal Section	34
Legal Subdivision	CLAY NORTHWOOD H
Legal Block	1
Legal Lot Number	1
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3004
Census Tract	110912

Owner

11964 River Rd is owned and occupied by an individual who acquired it in February 2021.

Source: Hamilton County records, as of March 4, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	11964 RIVER RD, CARMEL, IN 46033-9754
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 23, 2021	Warranty Deed, Transfer · Conventional Mortgage MILESTONE HOME LENDING LLC
Mar 5, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2021
Deed Sale	Feb 23, 2021
Prior Sale	Mar 5, 2019
Deed Document Number	2021014201
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Feb 23, 2021
Property Address	11964 RIVER RD, CARMEL, IN 46033-9754
Document Number	2021014201
Map Reference	CAB 2 SL 38-39
Instrument Date	Feb 11, 2021
Instrument	2021014201
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11964 RIVER RD, CARMEL, IN 46033-9754

Mortgage

Document Number	2021014202
Date	Feb 23, 2021
Instrument	2021014202

Lender

Name	MILESTONE HOME LENDING LLC
Type	Mortgage Company

Agreement

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

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Mar 5, 2019
Property Address	11964 RIVER RD, CARMEL, IN 46033-9754
Document Number	2019007739
Map Reference	CAB 2 SL 38-39
Instrument Date	Feb 28, 2019
Instrument	2019007739
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11964 RIVER RD, CARMEL, IN 46033-9754

Mortgage

Document Number	2019007740
Date	Mar 5, 2019
Instrument	2019007740

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

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		$289,400 (+9.7%) Land $74,600 Building $214,800	$289,400 (+9.7%) Land $74,600 Building $214,800
2024	$2,694.00 (-12.36%)	$263,800 (-11.68%) Land $74,600 Building $189,200	$263,800 (-11.68%) Land $74,600 Building $189,200
2023	$3,074.00 (+24.76%)	$298,700 (+29.59%) Land $57,900 Building $240,800	$298,700 (+29.59%) Land $57,900 Building $240,800
2022	$2,464.00	$230,500 Land $57,900 Building $172,600	$230,500 Land $57,900 Building $172,600

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

Flood

FEMA maps place 11964 River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 11964 River 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 94% of the US · lower than 63% 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.

Nearby Properties on River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures