Hamilton County property record for 12220 Pebblepointe Pass, Carmel, IN 46033
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5.5 ba · 7,111 sqft · built 1994 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $800,000 (Feb 2021) |
| Tax Bill | $11,033 (2024) |
| Deeds & Mortgages | Jun 2018 Line of Credit Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-10-33-013-012.000-018 |
| Primary APN | 29-10-33-013-012.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 23 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 7,111 sqft Living Area |
| Gross Area | 8,910 sqft |
| 1st Floor Area | 7,404 sqft |
| 2nd Floor Area | 1,665 sqft |
| Attic | Attic |
| Attic Area | 1,506 sqft |
| Basement Area | 2,493 sqft |
| Finished Basement | 2,200 sqft |
| Unfinished Basement | 293 sqft |
| Family Room | Family Room |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Construction Type | Brick |
| Roof Material | Asphalt |
| Lot Area | 18,295 sqft (0.42 acres) |
| Lot Dimensions | 172 ft deep x 92.7 ft wide |
| Garage Type | Attached |
| Garage Area | 1,506 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 576 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 12220 PEBBLEPOINTE PASS |
|---|---|
| City | CARMEL |
| State | IN |
| Zip | 46033-9681 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .42, SECTION 33, TOWNSHIP 18, RANGE 4, BAYHILL, SECTION 2, LOT 42 |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 33 |
| Legal Subdivision | BAYHILL SECTION 2 |
| Legal Block | 2 |
| Legal Lot Number | 42 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 110912 |
Source: Hamilton County records, as of August 14, 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 | 12220 PEBBLEPOINTE PASS, CARMEL, IN 46033-9681 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 11, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Feb 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| May 1, 2018 | Warranty Deed, Transfer · Conventional Mortgage MB FINANCIAL BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 2021 · Amount on Record |
| Deed Sale | Feb 1, 2021 · Amount on Record |
| Prior Sale | May 1, 2018 · Amount on Record |
| Deed Document Number | 20217842 |
| Prior Transfer Date | May 8, 2003 |
| Prior Transfer Doc | 0000048087 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 12220 PEBBLEPOINTE PASS, CARMEL, IN 46033-9681 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000025372 |
|---|---|
| Date | Jun 11, 2018 |
| Instrument | 2018025372 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | BRECKSVILLE, OH 44141 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Feb 1, 2021 |
| Property Address | 12220 PEBBLEPOINTE PASS, CARMEL, IN 46033-9681 |
| Document Number | 0000007842 |
| Map Reference | DOC 9349803 |
| Instrument Date | Jan 29, 2021 |
| Instrument | 2021007842 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2023 |
| Title Company | MTC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12220 PEBBLEPOINTE PASS, CARMEL, IN 46033-9681 |
| Document Number | 0000007843 |
|---|---|
| Date | Feb 1, 2021 |
| Instrument | 2021007843 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Number | 0000007844 |
|---|---|
| Date | Feb 1, 2021 |
| Instrument | 2021007844 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jan 29, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | May 1, 2018 |
| Property Address | 12220 PEBBLEPOINTE PASS, CARMEL, IN 46033-9681 |
| Document Number | 2018018658 |
| Map Reference | DOC9349803 |
| Instrument Date | Apr 27, 2018 |
| Instrument | 2018018658 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2021 |
| Title Company | ATA NATIONAL TITLE GROUP OF |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 12220 PEBBLEOINTE PASS, CARMEL, IN 46033-9681 |
| Document Number | 2018018659 |
|---|---|
| Date | May 1, 2018 |
| Instrument | 2018018659 |
| Name | MB FINANCIAL BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2048 |
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 | $976,800 (+1.83%) Land $195,200 Building $781,600 | $976,800 (+1.83%) Land $195,200 Building $781,600 | |
| 2024 | $11,033.00 (+11.34%) | $959,200 (+11.3%) Land $195,200 Building $764,000 | $959,200 (+11.3%) Land $195,200 Building $764,000 |
| 2023 | $9,909.00 (+18.7%) Homeowner's exemption | $861,800 (+18.89%) Land $149,000 Building $712,800 | $861,800 (+18.89%) Land $149,000 Building $712,800 |
| 2022 | $8,348.00 Homeowner's exemption | $724,900 Land $149,000 Building $575,900 | $724,900 Land $149,000 Building $575,900 |
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 99.1% of the US · lower than 94% 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 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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