12540 Pebblepointe Pass, Carmel, IN 46033 Property Records

Hamilton County property record for 12540 Pebblepointe Pass, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 5,948 sqft · built 1995
Lot Size	0.41 acres (17,860 sqft)
Owner	Company Name on Record
Last Sale	$752,000 (Oct 2021)
Tax Bill	$9,915 (2024)
Deeds & Mortgages	Nov 2025 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-10-33-007-006.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-33-007-006.000-018`
Alternative APN	`1610330007006000`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	20 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	5,948 sqft Living Area
1st Floor Area	2,356 sqft
2nd Floor Area	1,592 sqft
Basement Area	2,476 sqft
Finished Basement	2,000 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Architectural Style	Other
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	160 ft deep x 53 ft wide
Garage Type	Attached
Garage Area	778 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1610330007006000
Street Address	12540 PEBBLEPOINTE PASS
City	CARMEL
State	IN
Zip	46033-9687
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .41, SECTION 33, TOWNSHIP 18, RANGE 4, BAYHILL, SECTION 1, LOT 6
Legal Range	04
Legal Township	18
Legal Section	33
Legal Subdivision	BAYHILL SECTION 1
Legal Block	1
Legal Lot Number	6
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2007
Census Tract	110912

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	12540 PEBBLEPOINTE PASS, CARMEL, IN 46033-9687
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 1, 2021	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2021 · Amount on Record
Deed Sale	Oct 1, 2021 · Amount on Record
Prior Sale	Oct 1, 2021 · Amount on Record
Deed Document Number	0000071451
Last Transfer Date	Jul 5, 2024
Transfer Doc	0000023994
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12540 PEBBLEPOINTE PASS, CARMEL, IN 46033-9687
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12540 PEBBLEPOINTE PASS, CARMEL, IN 46033-9687

Mortgage

Document Number	0000050633
Date	Nov 21, 2025
Instrument	2025050633

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12540 PEBBLEPOINTE PASS, CARMEL, IN 46033-9687
Transaction Type	Mortgage
Record Updated	Feb 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018231
Date	Mar 8, 2021
Instrument	2021018231

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2026
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	4.87%
Index	Other
Max Rate	7.87%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 1, 2021
Property Address	12540 PEBBLEPOINTE PASS, CARMEL, IN 46033-9687
Document Number	0000071451
Map Reference	DOC 92-52062
Instrument Date	Aug 19, 2021
Instrument	2021071451
Transaction Type	Transfer
Record Updated	Feb 7, 2023
Title Company	MTC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12540 PEBBLEPOINTE PASS, CARMEL, IN 46033-9687

Mortgage

Document Number	0000071452
Date	Oct 1, 2021
Instrument	2021071452

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2036
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.37%
Index	Other
Margin	3

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		$899,000 (+16.09%) Land $202,500 Building $696,500	$899,000 (+16.09%) Land $202,500 Building $696,500
2024	$9,915.00 (+12.53%)
2023	$8,811.00 (+17.65%) Homeowner's exemption	$774,400 (+18.45%) Land $154,500 Building $619,900	$774,400 (+18.45%) Land $154,500 Building $619,900
2022	$7,489.00 Homeowner's exemption	$653,800 Land $154,500 Building $499,300	$653,800 Land $154,500 Building $499,300

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 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

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.

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