12685 Rams Ct, Fishers, IN 46037 Property Records

Hamilton County property record for 12685 Rams Ct, Fishers, IN 46037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,838 sqft · built 2004
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$367,000 (Sep 2022)
Tax Bill	$3,844 (2024)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-11-27-010-002.000-020`

Property Details

APN / Parcel Number

Primary APN	`29-11-27-010-002.000-020`
Alternative APN	`1311270010002000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,838 sqft Living Area
1st Floor Area	1,314 sqft
2nd Floor Area	1,524 sqft

Exterior

Year Built	Built 2004
Architectural Style	Other
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	101 ft deep x 121 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1311270010002000
Street Address	12685 RAMS CT
City	FISHERS
State	IN
Zip	46037-9541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .31, SECTION 27, TOWNSHIP 18, RANGE 5, THE BRISTOLS, SECTION 1C, LOT 19, IRREGULAR SHAPE
Legal Range	05
Legal Township	18
Legal Section	27
Legal Subdivision	BRISTOLS SECTION 1C
Legal Block	1C
Legal Lot Number	19
Jurisdiction	HAMILTON IN
Township / Civil Division	FALL CREEK
Census Block Group	1
Census Block	1017
Census Tract	110821

Owner

12685 Rams Ct is owned and occupied by an individual who bought it in September 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	12685 RAMS CT, FISHERS, IN 46037-9541
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2022	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Oct 1, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2022 · Amount on File
Deed Sale	Sep 13, 2022 · Amount on File
Prior Sale	May 7, 2007
Deed Document Number	2022045003
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Sep 13, 2022
Property Address	12685 RAMS CT, FISHERS, IN 46037-9541
Document Number	0000045003
Instrument Date	Sep 9, 2022
Instrument	2022045003
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
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	12685 RAMS CT, FISHERS, IN 46037-9541

Mortgage

Document Number	0000045004
Date	Sep 13, 2022
Instrument	2022045004

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12685 RAMS CT, FISHERS, IN 46037-9541
Transaction Type	Mortgage
Record Updated	Aug 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045637
Date	Oct 1, 2018
Instrument	2018045637

Lender

Name	PNC BANK NA
Type	Bank
Address	BRECKSVILLE, OH 44141

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Sep 1, 2058

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
County	Hamilton County
County Subdivision	Fall Creek Township
Municipality	Fishers City
Unified School District	Hamilton Southeastern Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$394,000 (+18%) Land $78,400 Building $315,600	$394,000 (+18%) Land $78,400 Building $315,600
2024	$3,844.00 (+7.22%)	$333,900 (+3.12%) Land $67,200 Building $266,700	$333,900 (+3.12%) Land $67,200 Building $266,700
2023	$3,585.00 (-0.17%) Homeowner's exemption	$323,800 (+7.61%) Land $67,200 Building $256,600	$323,800 (+7.61%) Land $67,200 Building $256,600
2022	$3,591.00 Homeowner's exemption	$300,900 Land $67,200 Building $233,700	$300,900 Land $67,200 Building $233,700

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

Flood

FEMA maps place 12685 Rams Ct 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	1 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 12685 Rams Ct 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 98% of the US · lower than 85% 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	CITIZENS WATER - INDIANAPOLIS serves 880,345 people · EPA ID IN5249004
Water Source	Surface water
Last State Inspection	May 2024
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 435 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
AT&T Fiber · DSL · Fixed Wireless in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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