12103 Windsor Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 12103 Windsor Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,044 sqft · built 1973
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on Record
Last Sale	$715,333 (Jun 2022)
Tax Bill	$7,415 (2024)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Dec 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-32-208-010.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-32-208-010.000-018`
Alternative APN	`1610320208010000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,044 sqft Living Area
Gross Area	4,957 sqft
1st Floor Area	3,044 sqft
Basement Area	761 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1981
Exterior Material	Brick
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	24,394 sqft (0.56 acres)
Lot Dimensions	169 ft deep x 57.5 ft wide
Garage Type	Attached
Garage Area	1,152 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	12103 WINDSOR DR
City	CARMEL
State	IN
Zip	46033-3140
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 32, TOWNSHIP 18, RANGE 4, BROOKSHIRE, SECTION 3, LOT 111, IRREGULAR SHAPE
Legal Range	04
Legal Township	18
Legal Section	32
Legal Subdivision	BROOKSHIRE SECTION 3
Legal Lot Number	111
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3010
Census Tract	111003

Owner

Source: Hamilton County records, as of March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12103 WINDSOR DR, CARMEL, IN 46033-3140
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Dec 12, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 12, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2022 · Amount on Record
Deed Sale	Jun 3, 2022 · Amount on Record
Prior Sale	May 12, 2014
Deed Document Number	202227614
Prior Transfer Date	Dec 10, 2018
Prior Transfer Doc	0000057739
Record Updated	Sep 20, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 3, 2022
Property Address	12103 WINDSOR DR, CARMEL, IN 46033-3140
Document Number	0000027614
Map Reference	MB 3 PG 145
Instrument Date	May 7, 2022
Instrument	2022027614
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	MTC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12103 WINDSOR DR, CARMEL, IN 46033-3140

Mortgage

Document Number	0000027615
Date	Jun 3, 2022
Instrument	2022027615

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2027
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	6.62%
Index	Other

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON IN
Recording Date	Dec 12, 2018
Property Address	12103 WINDSOR DR, CARMEL, IN 46033-3140
Document Number	0000057739
Instrument Date	Dec 10, 2018
Instrument	57739
Transaction Type	Transfer
Record Updated	Jan 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12103 WINDSOR DR CARMEL IN 460333140, CARMEL, IN 46033-3140

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON IN
Recording Date	Dec 12, 2018
Property Address	12103 WINDSOR DR, CARMEL, IN 46033-3140
Document Number	0000057740
Instrument Date	Dec 10, 2018
Instrument	57740
Transaction Type	Transfer
Record Updated	Jan 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12103 WINDSOR DR CARMEL IN 460333140, CARMEL, IN 46033-3140

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		$703,100 (+14.92%) Land $133,000 Building $570,100	$703,100 (+14.92%) Land $133,000 Building $570,100
2024	$7,415.00 (+8.63%)
2023	$6,826.00 (+53.63%) Homeowner's exemption	$611,800 (+56.19%) Land $82,300 Building $529,500	$611,800 (+56.19%) Land $82,300 Building $529,500
2022	$4,443.00 Homeowner's exemption	$391,700 Land $82,300 Building $309,400	$391,700 Land $82,300 Building $309,400

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1992)
Most Recent Claim	Nov 1992 · river or lake flooding

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 94% of the US · above 40% 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 350 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 / 50
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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