12669 Tram Ln, Carmel, IN 46032 Property Records

Hamilton County property record for 12669 Tram Ln, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,908 sqft · built 2005
Lot Size	0.269 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$399,000 (May 2018)
Tax Bill	$5,018 (2024)
Deeds & Mortgages	Jun 2019 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-29-009-026.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-29-009-026.000-018`
Alternative APN	`1709290009026000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,908 sqft Living Area
1st Floor Area	1,639 sqft
2nd Floor Area	1,319 sqft
Basement Area	1,250 sqft
Finished Basement	950 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	11,761 sqft (0.269 acres)
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709290009026000
Street Address	12669 TRAM LN
City	CARMEL
State	IN
Zip	46032-8765
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .27, SECTION 29, TOWNSHIP 18, RANGE 3, WEXLEY CHASE, LOT 26
Legal Range	03
Legal Township	18
Legal Section	29
Legal Subdivision	WEXLEY CHASE
Legal Lot Number	26
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2023
Census Tract	111010

Owner

12669 Tram Ln is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	12669 TRAM LN, CARMEL, IN 46032-8765
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
Jun 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
May 7, 2018	Grant Deed, Transfer MILESTONE HOME LENDING LLC
May 7, 2018	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2018 · Amount on File
Deed Sale	May 7, 2018 · Amount on File
Prior Sale	May 7, 2018 · Amount on File
Deed Document Number	2018019410
Record Updated	Jun 8, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12669 TRAM LN, CARMEL, IN 46032-8765
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027658
Date	Jun 27, 2019
Instrument	2019027658

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2034

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12669 TRAM LN, CARMEL, IN 46032-8765
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000084049
Date	Nov 17, 2020
Instrument	2020084049

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	174 Months
Due	May 1, 2035

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HAMILTON IN
Recording Date	May 7, 2018
Property Address	12669 TRAM LN, CARMEL, IN 46032-8765
Document Number	0000019410
Instrument Date	Apr 27, 2018
Instrument	19410
Transaction Type	Transfer
Record Updated	Dec 9, 2020
Title Company	FIRST TITLE, FIRST TITLE/IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12669 TRAM LN CARMEL IN 460328765, CARMEL, IN 46032-8765

Mortgage

Document Number	19411
Date	May 7, 2018
Instrument	19411

Lender

Name	MILESTONE HOME LENDING LLC
Address	254 E CARMEL DR # 100, CARMEL, IN 46032-2635

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 6, 2048

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	May 7, 2018
Property Address	12669 TRAM LN, CARMEL, IN 46032-8765
Document Number	0000019409
Instrument Date	Jan 10, 2018
Instrument	19409
Transaction Type	Transfer
Record Updated	Dec 9, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6 PENN CTR W #2ND PITTSBURGH PA 152760108, 2ND, PITTSBURGH, PA 15276-0108
Investor	Possibly a Property Investor

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		$530,700 (+19.34%) Land $126,800 Building $403,900	$530,700 (+19.34%) Land $126,800 Building $403,900
2024	$5,018.00 (+18.57%)	$444,700 (+11.76%) Land $126,800 Building $317,900	$444,700 (+11.76%) Land $126,800 Building $317,900
2023	$4,232.00 (-3.99%) Homeowner's exemption	$397,900 (+2.71%) Land $126,800 Building $271,100	$397,900 (+2.71%) Land $126,800 Building $271,100
2022	$4,408.00 Homeowner's exemption	$387,400 Land $98,700 Building $288,700	$387,400 Land $98,700 Building $288,700

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

Flood

FEMA maps place 12669 Tram Ln 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 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

Wildfire risk around 12669 Tram Ln 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 97% of the US · lower than 78% 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 75 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

Nearby Properties on Tram Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures