12482 Charing Cross Rd, Carmel, IN 46033 Property Records

Hamilton County property record for 12482 Charing Cross Rd, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,820 sqft · built 1978
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$452,200 (Feb 2026)
Tax Bill	$3,236 (2024)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-10-32-203-057.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-32-203-057.000-018`
Alternative APN	`1610320203057000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,820 sqft Living Area
Gross Area	2,924 sqft
1st Floor Area	1,820 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Frame
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	116 ft deep x 163 ft wide
Terrain	Low
Garage Type	Attached
Garage Area	1,104 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	12482 CHARING CROSS RD
City	CARMEL
State	IN
Zip	46033-3128
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAPE
Legal Range	04
Legal Township	18
Legal Section	32
Legal Subdivision	BROOKSHIRE VILLAGE
Legal Block	1
Legal Lot Number	11
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3001
Census Tract	111003

Owner

Source: Hamilton County records, as of June 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12482 CHARING CROSS RD, CARMEL, IN 46033-3128
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Personal Representative Deed, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Feb 17, 2026	Personal Representative Deed, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2026 · Amount on Record
Deed Sale	Feb 17, 2026 · Amount on Record
Prior Sale	Jul 28, 2004 · Amount on Record
Deed Document Number	20266027
Record Updated	Oct 29, 2026

February 2026: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	HAMILTON IN
Recording Date	Feb 17, 2026
Property Address	12482 CHARING CROSS RD, CARMEL, IN 46033-3128
Document Number	0000006027
Map Reference	MB 6 PG 59-61
Instrument Date	Feb 10, 2026
Instrument	2026006027
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12482 CHARING CROSS RD, CARMEL, IN 46033-3128

Mortgage

Document Number	0000006028
Date	Feb 17, 2026
Instrument	2026006028

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

February 2026: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	HAMILTON IN
Recording Date	Feb 17, 2026
Property Address	12482 CHARING CROSS RD, CARMEL, IN 46033-3128
Document Number	0000006027
Map Reference	MB 6 PG 59-61
Instrument Date	Feb 10, 2026
Instrument	2026006027
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12482 CHARING CROSS RD, CARMEL, IN 46033-3128

Mortgage

Document Number	0000006028
Date	Feb 17, 2026
Instrument	2026006028

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Tax Assessment & Valuation

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

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		$326,800 (+6.38%) Land $95,500 Building $231,300	$326,800 (+6.38%) Land $95,500 Building $231,300
2024	$3,236.00 (-3.23%)	$307,200 (-3.43%) Land $95,500 Building $211,700	$307,200 (-3.43%) Land $95,500 Building $211,700
2023	$3,344.00 (+13.59%)	$318,100 (+18.25%) Land $82,400 Building $235,700	$318,100 (+18.25%) Land $82,400 Building $235,700
2022	$2,944.00	$269,000 Land $82,400 Building $186,600	$269,000 Land $82,400 Building $186,600

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
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

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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