1256 Shadow Ridge Rd, Carmel (Indianapolis), IN 46280 Property Records

Hamilton County property record for 1256 Shadow Ridge Rd, Carmel, IN 46280

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,446 sqft · built 2001
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Tax Bill	$2,389 (2024)
Deeds & Mortgages	Feb 2026 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-13-12-403-002.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-13-12-403-002.000-018`
Alternative APN	`1713120403002000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,446 sqft Living Area
1st Floor Area	1,446 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Architectural Style	Other
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Attached
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1713120403002000
Street Address	1256 SHADOW RIDGE RD
City	CARMEL
State	IN
Zip	46280-2711
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	ACREAGE .00, SECTION 12, TOWNSHIP 17, RANGE 3, THE RETREAT CONDO HPR, SQUARE FEET (CONDO) 1,446.00, BUILDING 39, TRACT 3, UNI
Legal Range	03
Legal Township	17
Legal Section	12
Legal Subdivision	THE RETREAT HORIZONTAL PROPERTY REGIME
Legal Tract	3
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2024
Census Tract	111104

Owner

1256 Shadow Ridge Rd, a condominium, is owned and occupied by an individual who acquired it in August 2015.

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

Owner of Record	Individual Name on File
Mailing Address	1256 SHADOW RIDGE RD, CARMEL, IN 46280-2711
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
Feb 11, 2026	Deed of Trust, Mortgage · Line of Credit INDIANA MEMBERS CU
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2015
Deed Sale	Aug 3, 2015
Prior Sale	Jun 19, 2013
Deed Document Number	2015040436
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1256 SHADOW RIDGE RD, CARMEL, IN 46280-2711
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005467
Date	Feb 11, 2026
Instrument	2026005467

Lender

Name	INDIANA MEMBERS CU
Type	Credit Union
Address	INDIANAPOLIS, IN 46240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 16, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	1256 SHADOW RIDGE RD, CARMEL, IN 46280-2711
Transaction Type	Mortgage
Record Updated	Oct 22, 2021
Title Company	CENTURION LAND TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020074235
Date	Oct 16, 2020
Instrument	2020074235

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 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		$263,500 (+11.37%) Land $66,000 Building $197,500	$263,500 (+11.37%) Land $66,000 Building $197,500
2024	$2,389.00 (+18.56%)	$236,600 (+10.25%) Land $66,000 Building $170,600	$236,600 (+10.25%) Land $66,000 Building $170,600
2023	$2,015.00 (+3.71%)	$214,600 (+11.77%) Land $44,000 Building $170,600	$214,600 (+11.77%) Land $44,000 Building $170,600
2022	$1,943.00	$192,000 Land $44,000 Building $148,000	$192,000 Land $44,000 Building $148,000

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

Flood

FEMA maps place 1256 Shadow Ridge Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

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	2 in force
Nearby Flood Claims	2 (2008–2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2011 · rainfall accumulation

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

Wildfire risk around 1256 Shadow Ridge Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Metronet, Spectrum, Xiber.

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