12471 Charing Cross Rd, Carmel, IN 46033 Property Records

Hamilton County property record for 12471 Charing Cross Rd, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,169 sqft · built 1978
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Tax Bill	$3,271 (2024)
Deeds & Mortgages	Jan 2022 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-32-203-012.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-32-203-012.000-018`
Alternative APN	`1610320203012000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,169 sqft Living Area
1st Floor Area	1,167 sqft
2nd Floor Area	1,002 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	36 ft deep x 40 ft wide
Garage Type	Attached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	1610320203012000
Street Address	12471 CHARING CROSS RD
City	CARMEL
State	IN
Zip	46033-3166
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 54, IRREGULAR S
Legal Range	04
Legal Township	18
Legal Section	32
Legal Subdivision	BROOKSHIRE VILLAGE FIRST SECTION REPLAT
Legal Lot Number	54
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3000
Census Tract	111003

Owner

12471 Charing Cross Rd is owned and occupied by an individual who acquired it in June 2019.

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

Owner of Record	Individual Name on File
Mailing Address	12471 CHARING CROSS RD, CARMEL, IN 46033-3166
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 4, 2022	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Feb 11, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 6, 2020	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2019
Deed Sale	Jun 7, 2019
Prior Sale	Oct 20, 2005
Deed Document Number	2019023905
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12471 CHARING CROSS RD, CARMEL, IN 46033-3166
Transaction Type	Mortgage
Record Updated	Feb 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12471 CHARING CROSS RD, CARMEL, IN 46033-3166

Mortgage

Document Number	0000000439
Date	Jan 4, 2022
Instrument	2022000439

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 31, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12471 CHARING CROSS RD, CARMEL, IN 46033-3166
Transaction Type	Mortgage
Record Updated	Apr 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021011196
Date	Feb 11, 2021
Instrument	2021011196

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12471 CHARING CROSS RD, CARMEL, IN 46033-3166
Document Number	0000014579
Instrument Date	Mar 6, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	12471 CHARING CROSS RD CARMEL IN 460333166, CARMEL, IN 46033-3166

Mortgage

Document Number	0000014579
Date	Mar 18, 2020
Instrument	14579

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 17, 2050

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		$327,900 (+5.77%) Land $89,400 Building $238,500	$327,900 (+5.77%) Land $89,400 Building $238,500
2024	$3,271.00 (+7.95%)	$310,000 (+3.96%) Land $89,400 Building $220,600	$310,000 (+3.96%) Land $89,400 Building $220,600
2023	$3,030.00 (+11.44%)	$298,200 (+18.24%) Land $77,100 Building $221,100	$298,200 (+18.24%) Land $77,100 Building $221,100
2022	$2,719.00	$252,200 Land $77,100 Building $175,100	$252,200 Land $77,100 Building $175,100

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

Flood

FEMA maps place 12471 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.

Wildfire

The area around 12471 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.

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 291 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 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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