12643 Royce Ct, Carmel, IN 46033 Property Records

Hamilton County property record for 12643 Royce Ct, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 5,215 sqft · built 1982
Lot Size	1.85 acres (80,586 sqft)
Owner	Individual Name on File
Tax Bill	$6,881 (2024)
Deeds & Mortgages	May 2023 Line of Credit Mar 2021 Mortgage + 5 more
Flood Zone	Zone AE (high risk)
APN	`29-10-29-407-003.003-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-29-407-003.003-018`
Alternative APN	`1610290407003003`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	5,215 sqft Living Area
1st Floor Area	1,999 sqft
2nd Floor Area	1,207 sqft
Basement Area	1,999 sqft
Finished Basement	1,499 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Architectural Style	Other
Exterior Material	Brick/Stone
Construction Type	Wood
Roof Material	Asphalt
Lot Area	80,586 sqft (1.85 acres)
Garage Type	Attached
Garage Area	1,020 sqft
Parking Spaces	3 Parking Spaces
Pool Area	512 sqft
Tennis Court	Tennis Court

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1610290407003003
Street Address	12643 ROYCE CT
City	CARMEL
State	IN
Zip	46033-2477
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE 1.85, SECTION 29, TOWNSHIP 18, RANGE 4, BROOKSHIRE ESTATES, LOT PT 8
Legal Range	04
Legal Township	18
Legal Section	29
Legal Subdivision	CARMEL BROOKSHIRE
Legal Lot Number	8
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1002
Census Tract	111003

Owner

Source: Hamilton County assessment roll, as of July 1, 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	12643 ROYCE CT, CARMEL, IN 46033-2477
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
May 15, 2018	Deed of Trust, Mortgage · Line of Credit SOLIDARITY COMMUNITY FCU
Oct 17, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ELEMENTS FINANCIAL FCU
Aug 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage ONE AMERICAN BANK
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage ONE AMERICAN BANK
Sep 7, 2018	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 7, 2018
Deed Sale	Sep 7, 2018
Prior Sale	Dec 15, 2008 · Amount on Record
Deed Document Number	2018041756
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12643 ROYCE CT, CARMEL, IN 46033-2477
Transaction Type	Mortgage
Record Updated	Jun 9, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016853
Date	May 10, 2023
Instrument	2023016853

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 20, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12643 ROYCE CT, CARMEL, IN 46033-2477
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018417
Date	Mar 9, 2021
Instrument	2021018417

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12643 ROYCE CT, CARMEL, IN 46033-2477
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020785
Date	May 15, 2018
Instrument	2018020785

Lender

Name	SOLIDARITY COMMUNITY FCU
Type	Credit Union
Address	KOKOMO, IN 46902

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 7, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12643 ROYCE CT, CARMEL, IN 46033-2477
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049298
Date	Oct 17, 2018
Instrument	2018049298

Lender

Name	ELEMENTS FINANCIAL FCU
Type	Credit Union
Address	INDIANAPOLIS, IN 46202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12643 ROYCE CT, CARMEL, IN 46033-2477
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034927
Date	Aug 2, 2019
Instrument	2019034927

Lender

Name	ONE AMERICAN BANK
Type	Bank
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12643 ROYCE CT, CARMEL, IN 46033-2477
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029124
Date	May 18, 2020
Instrument	2020029124

Lender

Name	ONE AMERICAN BANK
Type	Bank
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Sep 7, 2018
Property Address	12643 ROYCE CT, CARMEL, IN 46033-2477
Document Number	2018041756
Map Reference	MB7 PG51&52
Instrument Date	Aug 31, 2018
Instrument	2018041756
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	NEW HOPE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12643 ROYCE CT, CARMEL, IN 46033-2477

Mortgage

Document Number	2018041757
Date	Sep 7, 2018
Instrument	2018041757

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

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		$686,300 (+20.68%) Land $154,800 Building $531,500	$686,300 (+20.68%) Land $154,800 Building $531,500
2024	$6,881.00 (-0.19%)
2023	$6,894.00 (-2.46%) Homeowner's exemption	$568,700 (+1.83%) Land $154,800 Building $413,900	$568,700 (+1.83%) Land $154,800 Building $413,900
2022	$7,068.00 Homeowner's exemption	$558,500 Land $154,800 Building $403,700	$558,500 Land $154,800 Building $403,700

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1979–2003)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2003 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Sep 2003 · 3 claims

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 99.1% of the US · lower than 94% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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