12295 Ridgeside Rd, Indianapolis, IN 46256 Property Records

Hamilton County property record for 12295 Ridgeside Rd, Indianapolis, IN 46256

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 6,188 sqft · built 1993
Lot Size	0.76 acres (33,106 sqft)
Owner	2 Individual Names on Record
Last Sale	$940,000 (Jan 2022)
Tax Bill	$9,971 (2024)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-15-10-009-006.000-020`

Property Details

APN / Parcel Number

Primary APN	`29-15-10-009-006.000-020`
Alternative APNs	`291510009006000033` `1315100009006000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	21 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	6,188 sqft Living Area
Gross Area	7,976 sqft
1st Floor Area	6,504 sqft
Attic	Attic
Attic Area	1,472 sqft
Basement Area	1,616 sqft
Finished Basement	1,300 sqft
Unfinished Basement	316 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Construction Type	Brick
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	33,106 sqft (0.76 acres)
Lot Dimensions	504 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	1,472 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	12295 RIDGESIDE RD
City	INDIANAPOLIS
State	IN
Zip	46256-9401
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .76, SECTION 10, TOWNSHIP 17, RANGE 5, BRIDGEWATER, SECTION 2, LOT 40, INTEREST: 1/10TH BLOCK C
Legal Range	05
Legal Township	17
Legal Section	10
Legal Subdivision	BRIDGEWATER SECTION 2
Legal Lot Number	40
Jurisdiction	HAMILTON IN
Township / Civil Division	FALL CREEK
Census Block Group	1
Census Block	1014
Census Tract	110813

Owner

Source: Hamilton County records, as of September 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12295 RIDGESIDE RD, INDIANAPOLIS, IN 46256-9401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2021	Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Jan 24, 2022	Warranty Deed, Transfer · Conventional Mortgage NATIONAL BANK OF KANSAS CITY
Jul 8, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 29, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2022 · Amount on Record
Deed Sale	Jan 24, 2022 · Amount on Record
Deed Document Number	20224007
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12295 RIDGESIDE RD, INDIANAPOLIS, IN 46256-9401
Transaction Type	Mortgage
Record Updated	May 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010128
Date	Feb 9, 2021
Instrument	2021010128

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jan 24, 2022
Property Address	12295 RIDGESIDE RD, INDIANAPOLIS, IN 46256-9401
Document Number	0000004007
Map Reference	DOC 9451323
Instrument Date	Jan 20, 2022
Instrument	2022004007
Transaction Type	Transfer
Record Updated	May 19, 2023

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	12295 RIDGESIDE RD, INDIANAPOLIS, IN 46256-9401

Mortgage

Document Number	0000004008
Date	Jan 24, 2022
Instrument	2022004008

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank

Agreement

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

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12295 RIDGESIDE RD, INDIANAPOLIS, IN 46256-9401
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029586
Date	Jul 8, 2019
Instrument	2019029586

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12295 RIDGESIDE RD, INDIANAPOLIS, IN 46256-9401
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031877
Date	May 29, 2020
Instrument	2020031877

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 16, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Hamilton County
County Subdivision	Fall Creek Township
Municipality	Fishers City
Unified School District	Hamilton Southeastern Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$959,300 (+12.9%) Land $144,600 Building $814,700	$959,300 (+12.9%) Land $144,600 Building $814,700
2024	$9,971.00 (+9.57%)	$849,700 (+9.29%) Land $144,600 Building $705,100	$849,700 (+9.29%) Land $144,600 Building $705,100
2023	$9,100.00 (+8.13%) Homeowner's exemption	$777,500 (+10.08%) Land $144,600 Building $632,900	$777,500 (+10.08%) Land $144,600 Building $632,900
2022	$8,416.00 Homeowner's exemption	$706,300 Land $144,600 Building $561,700	$706,300 Land $144,600 Building $561,700

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITIZENS WATER - INDIANAPOLIS serves 880,345 people · EPA ID IN5249004
Water Source	Surface water
Last State Inspection	May 2024
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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