12305 Windsor Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 12305 Windsor Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,351 sqft · built 1971
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Tax Bill	$4,975 (2024)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-10-32-201-030.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-32-201-030.000-018`
Alternative APN	`1610320201030000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,351 sqft Living Area
1st Floor Area	1,204 sqft
2nd Floor Area	1,247 sqft
Basement Area	1,204 sqft
Finished Basement	900 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1981
Architectural Style	Other
Exterior Material	Brick
Construction Type	Wood
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	150 ft deep x 160 ft wide
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1610320201030000
Street Address	12305 WINDSOR DR
City	CARMEL
State	IN
Zip	46033-3143
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 32, TOWNSHIP 18, RANGE 4, BROOKSHIRE, SECTION 1, LOT 18
Legal Range	04
Legal Township	18
Legal Section	32
Legal Subdivision	CARMEL BROOKSHIRE
Legal Block	1
Legal Lot Number	18
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3009
Census Tract	111003

Owner

12305 Windsor Dr is owned and occupied by an individual who acquired it in March 2016.

Source: Hamilton County records, as of March 4, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	12305 WINDSOR DR, CARMEL, IN 46033-3143
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2016
Deed Sale	Mar 18, 2016
Prior Sale	May 10, 2006
Deed Document Number	2016011860
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12305 WINDSOR DR, CARMEL, IN 46033-3143
Transaction Type	Mortgage
Record Updated	Feb 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002122
Date	Jan 12, 2022
Instrument	2022002122

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2042

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of July 1, 2025

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		$477,200 (+6.88%) Land $128,000 Building $349,200	$477,200 (+6.88%) Land $128,000 Building $349,200
2024	$4,975.00 (+2.92%)	$446,500 (-0.27%) Land $128,000 Building $318,500	$446,500 (-0.27%) Land $128,000 Building $318,500
2023	$4,834.00 (+13.16%) Homeowner's exemption	$447,700 (+18.97%) Land $79,200 Building $368,500	$447,700 (+18.97%) Land $79,200 Building $368,500
2022	$4,272.00 Homeowner's exemption	$376,300 Land $79,200 Building $297,100	$376,300 Land $79,200 Building $297,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12305 Windsor Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
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

Wildfire risk around 12305 Windsor Dr 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 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	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