12550 Springmill Rd, Carmel, IN 46032 Property Records

Hamilton County property record for 12550 Springmill Rd, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 5,018 sqft · built 1957
Lot Size	5.32 acres (231,739 sqft)
Owner	2 Individual Names on Record
Last Sale	$665,000 (Dec 2023)
Tax Bill	$15,414 (2024)
Deeds & Mortgages	Jan 2026 Construction Loan Feb 2024 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`29-09-34-000-009.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-34-000-009.000-018`
Alternative APN	`1709340000009000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	5,018 sqft Living Area
Gross Area	6,377 sqft
1st Floor Area	5,514 sqft
Basement Area	1,966 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Stone
Construction Type	Frame
Roof Material	Asphalt
Lot Area	231,739 sqft (5.32 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	863 sqft
Porch	Open Frame Porch
Porch Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	12550 SPRINGMILL RD
City	CARMEL
State	IN
Zip	46032-9462
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE 5.32, SECTION 34, TOWNSHIP 18, RANGE 3
Legal Range	03
Legal Township	18
Legal Section	34
Legal Subdivision	CLAY
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3012
Census Tract	111009

Owner

Source: Hamilton County records, as of May 21, 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	9252 TIMBERLINE DR, INDIANAPOLIS, IN 46256-4726
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2026	Deed of Trust, Mortgage · Construction Mortgage MERCHANTS BANK OF INDIANA
Feb 15, 2024	Intrafamily Transfer, Transfer
Dec 20, 2023	Deed, Transfer · Conventional Mortgage CENTIER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2023 · Amount on Record
Deed Sale	Dec 20, 2023 · Amount on Record
Prior Sale	Feb 7, 2012 · Amount on Record
Deed Document Number	202347737
Last Transfer Date	Feb 3, 2024
Transfer Doc	0000005038
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12550 SPRINGMILL RD, CARMEL, IN 46032-9462
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9252 TIMBERLINE DR, INDIANAPOLIS, IN 46256-4726

Mortgage

Document Number	0000000454
Date	Jan 6, 2026
Instrument	2026000454

Lender

Name	MERCHANTS BANK OF INDIANA
Type	Bank
Address	CARMEL, IN 46032

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2029
Change Frequency	6 Months
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	SOFR Average 30-Day
Max Rate	10.7%

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON IN
Recording Date	Feb 15, 2024
Property Address	12550 SPRINGMILL RD, CARMEL, IN 46032-9462
Document Number	0000005038
Instrument Date	Feb 13, 2024
Instrument	2024005038
Transaction Type	Transfer
Record Updated	Mar 5, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9252 TIMBERLINE DR, INDIANAPOLIS, IN 46256-4726

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HAMILTON IN
Recording Date	Dec 20, 2023
Property Address	12550 SPRINGMILL RD, CARMEL, IN 46032-9462
Document Number	0000047737
Instrument Date	Dec 15, 2023
Instrument	2023047737
Transaction Type	Transfer
Record Updated	Mar 5, 2026

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
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9252 TIMBERLINE DR, INDIANAPOLIS, IN 46256-4726

Mortgage

Document Number	0000047738
Date	Dec 20, 2023
Instrument	2023047738

Lender

Name	CENTIER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

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		$414,700 (-43.58%) Land $414,700	$414,700 (-43.58%) Land $414,700
2024	$15,414.00 (+47.69%)
2023	$10,437.00 (+17.53%) Homeowner's exemption	$735,000 (+18.26%) Land $374,500 Building $360,500	$735,000 (+18.26%) Land $374,500 Building $360,500
2022	$8,880.00 Homeowner's exemption	$621,500 Land $307,700 Building $313,800	$621,500 Land $307,700 Building $313,800

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 78% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 89 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
On-Ramp Indiana Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

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