Hamilton County property record for 12331 Charing Cross Rd, Carmel, IN 46033
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,545 sqft · built 1978 |
| Lot Size | 0.017 acres (741 sqft) |
| Owner | Individual Name on File |
| Last Sale | $365,000 (Nov 2022) |
| Tax Bill | $2,949 (2024) |
| Deeds & Mortgages | Mar 2021 Line of Credit Nov 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-10-32-203-041.000-018 |
| Primary APN | 29-10-32-203-041.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,545 sqft Living Area |
| 1st Floor Area | 1,545 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Architectural Style | Other |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 741 sqft (0.017 acres) |
| Lot Dimensions | 127 ft deep x 56 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 1610320203041000 |
|---|---|
| Street Address | 12331 CHARING CROSS RD |
| City | CARMEL |
| State | IN |
| Zip | 46033-3125 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .00, SECTION 32, TOWNSHIP 18, RANGE 4, BROOKSHIRE VILLAGE, REPLAT INFORMATION: REPLAT, SECTION 1, LOT 27 |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 32 |
| Legal Subdivision | BROOKSHIRE VILLAGE |
| Legal Block | 1 |
| Legal Lot Number | 27 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 111003 |
12331 Charing Cross Rd is owned and occupied by an individual who bought it in November 2022.
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 CHARING CROSS RD, CARMEL, IN 46033-3125 |
| 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.
| Date | Document |
|---|---|
| Mar 4, 2021 | Deed of Trust, Mortgage · Line of Credit LAKE CITY BANK |
| Nov 10, 2022 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Nov 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Feb 22, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 10, 2022 · Amount on File |
| Deed Sale | Nov 10, 2022 · Amount on File |
| Prior Sale | Nov 30, 2021 · Amount on File |
| Deed Document Number | 2022054137 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 12331 CHARING CROSS RD, CARMEL, IN 46033-3125 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000017148 |
|---|---|
| Date | Mar 4, 2021 |
| Instrument | 2021017148 |
| Name | LAKE CITY BANK |
|---|---|
| Type | Bank |
| Address | WARSAW, IN 46581 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 20 Months |
| Due | Nov 15, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Nov 10, 2022 |
| Property Address | 12331 CHARING CROSS RD, CARMEL, IN 46033-3125 |
| Document Number | 0000054137 |
| Instrument Date | Oct 27, 2022 |
| Instrument | 2022054137 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IN |
| Name | Verified Name |
|---|---|
| Address | 12331 CHARING CROSS RD, CARMEL, IN 46033-3125 |
| Document Number | 0000054138 |
|---|---|
| Date | Nov 10, 2022 |
| Instrument | 2022054138 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Nov 30, 2021 |
| Property Address | 12331 CHARING CROSS RD, CARMEL, IN 46033-3125 |
| Document Number | 0000085868 |
| Map Reference | MB 6 PG 59-61 |
| Instrument Date | Sep 30, 2021 |
| Instrument | 2021085868 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12331 CHARING CROSS RD, CARMEL, IN 46033-3125 |
| Document Number | 0000085869 |
|---|---|
| Date | Nov 30, 2021 |
| Instrument | 2021085869 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | Feb 22, 2021 |
| Property Address | 12331 CHARING CROSS RD, CARMEL, IN 46033-3125 |
| Document Number | 0000013325 |
| Map Reference | MB 6 PG 59-61 |
| Instrument Date | Feb 10, 2021 |
| Instrument | 2021013325 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9201 N MERIDIAN ST STE 250, 250, INDIANAPOLIS, IN 46260-1859 |
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 | $301,600 (+6.12%) Land $92,500 Building $209,100 | $301,600 (+6.12%) Land $92,500 Building $209,100 | |
| 2024 | $2,949.00 (-0.74%) | $284,200 (-3.1%) Land $92,500 Building $191,700 | $284,200 (-3.1%) Land $92,500 Building $191,700 |
| 2023 | $2,971.00 (+11.11%) | $293,300 (+17.89%) Land $79,800 Building $213,500 | $293,300 (+17.89%) Land $79,800 Building $213,500 |
| 2022 | $2,674.00 | $248,800 Land $79,800 Building $169,000 | $248,800 Land $79,800 Building $169,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12331 Charing Cross Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1992.
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 |
| 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.
The area around 12331 Charing Cross Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 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 |
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