Hamilton County property record for 126 E Laredo Way S, Carmel, IN 46032
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,160 sqft · built 1992 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,022 (2024) |
| Deeds & Mortgages | Dec 2021 Line of Credit Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-09-14-304-005.000-015 |
| Primary APN | 29-09-14-304-005.000-015 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,160 sqft Living Area |
| 1st Floor Area | 1,607 sqft |
| 2nd Floor Area | 1,553 sqft |
| Attic | Attic |
| Attic Area | 642 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Architectural Style | Other |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 17,860 sqft (0.41 acres) |
| Lot Dimensions | 150 ft deep x 110 ft wide |
| Garage Type | Attached |
| Garage Area | 642 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0809140304005000 |
|---|---|
| Old Parcel Number | 290914304005000029 |
| Street Address | 126 E LAREDO WAY S |
| City | CARMEL |
| State | IN |
| Zip | 46032-5161 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .41, SECTION 14, TOWNSHIP 18, RANGE 3, VILLAGE FARMS, SECTION 8, LOT 492 |
| Legal Range | 03 |
| Legal Township | 18 |
| Legal Section | 14 |
| Legal Subdivision | VILLAGE FARMS |
| Legal Block | 8 |
| Legal Lot Number | 492 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | WESTFIELD WASHINGTON |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 110404 |
126 E Laredo Way S is owned and occupied by an individual who acquired it in March 2013.
Source: Hamilton County records, as of March 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 126 E LAREDO WAY S, CARMEL, IN 46032-5161 |
| 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.
| Date | Document |
|---|---|
| Dec 22, 2021 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jan 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Feb 16, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jul 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2013 |
| Deed Sale | Mar 1, 2013 |
| Prior Sale | Oct 31, 2002 |
| Deed Document Number | 2013013196 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 126 E LAREDO WAY S, CARMEL, IN 46032-5161 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 126 E LAREDO WAY S, CARMEL, IN 46032-5161 |
| Document Number | 0000091134 |
|---|---|
| Date | Dec 22, 2021 |
| Instrument | 2021091134 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Dec 13, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 126 E LAREDO WAY S, CARMEL, IN 46032-5161 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2021 |
| Title Company | CENTURION LAND TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0000006263 |
|---|---|
| Date | Jan 26, 2021 |
| Instrument | 2021006263 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 126 E LAREDO WAY S, CARMEL, IN 46032-5161 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000006377 |
|---|---|
| Date | Feb 16, 2018 |
| Instrument | 2018006377 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | BRECKSVILLE, OH 44141 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Feb 12, 2058 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 126 E LAREDO WAY S, CARMEL, IN 46032-5161 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CENTURION LAND TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0000045116 |
|---|---|
| Date | Jul 15, 2020 |
| Instrument | 2020045116 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
Source: Hamilton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Westfield Washington Township |
| Municipality | Westfield City |
| Unified School District | Westfield-Washington Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $462,100 Land $88,800 Building $373,300 | $462,100 Land $88,800 Building $373,300 | |
| 2024 | $5,022.00 (+5.44%) | ||
| 2023 | $4,763.00 (+4.38%) Homeowner's exemption | $419,000 (+7.99%) Land $67,900 Building $351,100 | $419,000 (+7.99%) Land $67,900 Building $351,100 |
| 2022 | $4,563.00 Homeowner's exemption | $388,000 Land $67,900 Building $320,100 | $388,000 Land $67,900 Building $320,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 126 E Laredo Way S in Zone X, an area of minimal flood risk.
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 Policies | 2 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.
The area around 126 E Laredo Way S 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITIZENS WATER OF WESTFIELD, LLC private · serves 61,493 people · EPA ID IN5229009 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 336 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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