Hamilton County property record for 12145 Windpointe Pass, Carmel, IN 46033
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4.5 ba · 8,415 sqft · built 1995 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,300,000 (Oct 2022) |
| Tax Bill | $12,761 (2024) |
| Deeds & Mortgages | May 2026 Line of Credit Oct 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-10-33-014-008.000-018 |
| Primary APN | 29-10-33-014-008.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 19 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 8,415 sqft Living Area |
| Gross Area | 10,631 sqft |
| 1st Floor Area | 9,067 sqft |
| 2nd Floor Area | 1,171 sqft |
| Attic | Attic |
| Attic Area | 3,984 sqft |
| Basement Area | 2,952 sqft |
| Finished Basement | 2,300 sqft |
| Unfinished Basement | 652 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 188 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 1,564 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 648 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 12145 WINDPOINTE PASS |
|---|---|
| City | CARMEL |
| State | IN |
| Zip | 46033-9520 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .50, SECTION 33, TOWNSHIP 18, RANGE 4, WINDPOINTE, SECTION 3, LOT 55 |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 33 |
| Legal Subdivision | WINDPOINTE SECTION 3 |
| Legal Block | 3 |
| Legal Lot Number | 55 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 110912 |
Source: Hamilton County records, as of May 27, 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 | 12145 WINDPOINTE PASS, CARMEL, IN 46033-9520 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 13, 2026 | Deed of Trust, Mortgage · Line of Credit ELEMENTS FINANCIAL FEDERAL CREDIT UNION |
| Oct 28, 2022 | Warranty Deed, Transfer · Conventional Mortgage STAR FINANCIAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 28, 2022 · Amount on Record |
| Deed Sale | Oct 28, 2022 · Amount on Record |
| Deed Document Number | 202252368 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | May 13, 2026 |
| Property Address | 12145 WINDPOINTE PASS, CARMEL, IN 46033-9520 |
| Document Number | 0000021115 |
| Instrument Date | May 8, 2026 |
| Instrument | 202621115 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 12145 WINDPOINTE PASS, CARMEL, IN 46033-9520 |
| Investor | Possibly a Property Investor |
| Document Number | 0000021115, |
|---|---|
| Date | May 13, 2026 |
| Instrument | 202621115 |
| Name | ELEMENTS FINANCIAL FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 15, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Oct 28, 2022 |
| Property Address | 12145 WINDPOINTE PASS, CARMEL, IN 46033-9520 |
| Document Number | 0000052368 |
| Map Reference | DOC 9421443 |
| Instrument Date | Oct 28, 2022 |
| Instrument | 2022052368 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2023 |
| Title Company | LANDQUEST TITLE SERVICES LLC, LANDQUEST TTL SVCS LLC DBA D |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 12145 WINDPOINTE PASS, CARMEL, IN 46033-9520 |
| Document Number | 0000052369 |
|---|---|
| Date | Oct 28, 2022 |
| Instrument | 2022052369 |
| Name | STAR FINANCIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 10.2% |
| Index | 1-Year CMT |
| Max Rate | 10.2% |
Source: Hamilton County assessment roll, as of March 16, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Clay Township |
| Municipality | Carmel City |
| Unified School District | Carmel Clay Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,291,900 (+16.77%) Land $285,000 Building $1,006,900 | $1,291,900 (+16.77%) Land $285,000 Building $1,006,900 | |
| 2024 | $12,761.00 (+3.89%) | $1,106,400 (+4.5%) Land $285,000 Building $821,400 | $1,106,400 (+4.5%) Land $285,000 Building $821,400 |
| 2023 | $12,283.00 (+24.76%) Homeowner's exemption | $1,058,800 (+25.29%) Land $285,000 Building $773,800 | $1,058,800 (+25.29%) Land $285,000 Building $773,800 |
| 2022 | $9,845.00 Homeowner's exemption | $845,100 Land $166,500 Building $678,600 | $845,100 Land $166,500 Building $678,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 6 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.
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 271 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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