Hamilton County property record for 12190 River Rd, Carmel, IN 46033
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,998 sqft · built 1956 |
| Lot Size | 1.12 acres (48,787 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,403 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 29-10-34-401-003.000-018 |
| Primary APN | 29-10-34-401-003.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,998 sqft Living Area |
| 1st Floor Area | 1,998 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick/Stone |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 48,787 sqft (1.12 acres) |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1710340401003000 |
|---|---|
| Street Address | 12190 RIVER RD |
| City | CARMEL |
| State | IN |
| Zip | 46033-9315 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE 1.12, SECTION 34, TOWNSHIP 18, RANGE 4 |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 34 |
| Legal Subdivision | CLAY |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 110912 |
12190 River Rd is owned and occupied by an individual who acquired it in August 2015.
Source: Hamilton County records, as of March 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 12190 RIVER RD, CARMEL, IN 46033-9315 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2011 |
| Deed Sale | Dec 30, 2011 |
| Prior Sale | Dec 30, 2011 · Amount on File |
| Deed Document Number | 0000068887 |
| Last Transfer Date | Aug 4, 2015 |
| Transfer Doc | 2015040778 |
| Record Updated | Jun 8, 2026 |
Source: Hamilton County assessment roll, as of July 1, 2025
| 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 | $256,300 (+7.87%) Land $76,800 Building $179,500 | $256,300 (+7.87%) Land $76,800 Building $179,500 | |
| 2024 | $2,403.00 (+14.21%) | $237,600 (+8.44%) Land $76,800 Building $160,800 | $237,600 (+8.44%) Land $76,800 Building $160,800 |
| 2023 | $2,104.00 (+10.85%) | $219,100 (+15.99%) Land $58,300 Building $160,800 | $219,100 (+15.99%) Land $58,300 Building $160,800 |
| 2022 | $1,898.00 | $188,900 Land $58,300 Building $130,600 | $188,900 Land $58,300 Building $130,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12190 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 |
|
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 12190 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.
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 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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