12331 Ams Ct, Carmel, IN 46032 Property Records

Hamilton County property record for 12331 Ams Ct, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,772 sqft · built 2017
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$720,000 (Oct 2019)
Tax Bill	$10,727 (2024)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-34-008-051.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-34-008-051.000-018`
Alternative APN	`1709340008051000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	19 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	4,772 sqft Living Area
1st Floor Area	2,768 sqft
Basement Area	2,158 sqft
Finished Basement	2,004 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	788 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709340008051000
Street Address	12331 AMS CT
City	CARMEL
State	IN
Zip	46032-6305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .30, SECTION 34, TOWNSHIP 18, RANGE 3, JACKSONS GRANT ON WILLIAMS CREEK, SECTION 1A, LOT 122, IRREGULAR SHAPE
Legal Subdivision	JACKSONS GRANT/WILLIAMS CRK S
Legal Lot Number	122
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3016
Census Tract	111009

Owner

12331 Ams Ct is owned and occupied by an individual who bought it in October 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	12331 AMS CT, CARMEL, IN 46032-6305
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

Date	Document
Jan 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Aug 28, 2020	Loan Modification, Mortgage FIRST MERCHANTS BK
Oct 17, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST MERCHANTS BANK
Jun 21, 2017	Limited Warranty Deed, Subdivision Related Transfer · Commercial Mortgage FIRST FINANCIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2019 · Amount on File
Deed Sale	Oct 17, 2019 · Amount on File
Prior Sale	Jun 21, 2017 · Amount on File
Deed Document Number	2019051650
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12331 AMS CT, CARMEL, IN 46032-6305
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004896
Date	Jan 28, 2022
Instrument	2022004896

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Feb 1, 2032

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON IN
Property Address	12331 AMS CT, CARMEL, IN 46032-6305
Document Number	0000063805
Instrument Date	Aug 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 9, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12331 AMS CT CARMEL IN 460326305, CARMEL, IN 46032-6305

Mortgage

Document Number	0000063805
Date	Sep 15, 2020
Instrument	63805

Lender

Name	FIRST MERCHANTS BK
Type	Bank
Address	DALEVILLE, IN 47334

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 14, 2050

Interest

Rate	2.62%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 17, 2019
Property Address	12331 AMS CT, CARMEL, IN 46032-6305
Document Number	2019051650
Map Reference	CAB 5 SL 438
Instrument Date	Oct 15, 2019
Instrument	2019051650
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	MTC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12331 AMS CT, CARMEL, IN 46032-6305

Mortgage

Document Number	2019051651
Date	Oct 17, 2019
Instrument	2019051651

Lender

Name	FIRST MERCHANTS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2026
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	5.5%
Index	1-Year CMT
Max Rate	8.5%

June 2017: Limited Warranty Deed, Subdivision Related Transfer

Document Type	Limited Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 21, 2017
Property Address	12331 AMS CT, CARMEL, IN 46032-6305
Document Number	2017028769
Map Reference	CAB5 SL438
Instrument Date	Jun 20, 2017
Instrument	2017028769
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 22, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12331 AVE CT, CARMEL, IN 46032

Mortgage

Document Number	2017028771
Date	Jun 21, 2017
Instrument	2017028771

Lender

Name	FIRST FINANCIAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 20, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Mortgage

Document Number	0000028770
Date	Jun 21, 2017
Instrument	2017028770

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company
Address	76243

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

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		$1,016,400 (+0.47%) Land $227,300 Building $789,100	$1,016,400 (+0.47%) Land $227,300 Building $789,100
2024	$10,727.00 (-11.46%)	$1,011,600 (-4.36%) Land $227,300 Building $784,300	$1,011,600 (-4.36%) Land $227,300 Building $784,300
2023	$12,116.00 (+23.07%) Homeowner's exemption	$1,057,700 (+23.85%) Land $265,200 Building $792,500	$1,057,700 (+23.85%) Land $265,200 Building $792,500
2022	$9,845.00 Homeowner's exemption	$854,000 Land $113,600 Building $740,400	$854,000 Land $113,600 Building $740,400

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

Flood

FEMA maps place 12331 Ams Ct in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 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

Wildfire risk around 12331 Ams Ct 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 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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