12820 Limberlost Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 12820 Limberlost Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,672 sqft · built 1982
Lot Size	0.289 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Jun 2018)
Tax Bill	$6,156 (2024)
Deeds & Mortgages	Apr 2022 Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-10-28-302-011.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-28-302-011.000-018`
Alternative APN	`1610280302011000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,672 sqft Living Area
1st Floor Area	1,514 sqft
2nd Floor Area	1,408 sqft
Basement Area	990 sqft
Finished Basement	750 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	12,632 sqft (0.289 acres)
Lot Dimensions	120 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	608 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	1610280302011000
Street Address	12820 LIMBERLOST DR
City	CARMEL
State	IN
Zip	46033-9791
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .29, SECTION 28, TOWNSHIP 18, RANGE 4, MOHAWK CROSSING, SECTION 2, LOT 46
Legal Range	04
Legal Township	18
Legal Section	28
Legal Subdivision	MOHAK CROSSIN
Legal Block	2
Legal Lot Number	46
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1019
Census Tract	110912

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	12820 LIMBERLOST DR, CARMEL, IN 46033-9791
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jun 20, 2018	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2018 · Amount on Record
Deed Sale	Jun 20, 2018 · Amount on Record
Prior Sale	Sep 18, 2012 · Amount on Record
Deed Document Number	2018027334
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12820 LIMBERLOST DR, CARMEL, IN 46033-9791
Transaction Type	Mortgage
Record Updated	Jun 9, 2023
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019207
Date	Apr 18, 2022
Instrument	2022019207

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Jun 20, 2018
Property Address	12820 LIMBERLOST DR, CARMEL, IN 46033-9791
Document Number	2018027334
Map Reference	MB7 PG166167
Instrument Date	Jun 1, 2018
Instrument	2018027334
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	MERIDIAN 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	12820 LIMBERLOST DR, CARMEL, IN 46033-9791

Mortgage

Document Number	2018027335
Date	Jun 20, 2018
Instrument	2018027335

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 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		$568,500 (+4.97%) Land $140,000 Building $428,500	$568,500 (+4.97%) Land $140,000 Building $428,500
2024	$6,156.00 (+12.81%)	$541,600 (+8.49%) Land $140,000 Building $401,600	$541,600 (+8.49%) Land $140,000 Building $401,600
2023	$5,457.00 (+7.44%) Homeowner's exemption	$499,200 (+11.9%) Land $97,600 Building $401,600	$499,200 (+11.9%) Land $97,600 Building $401,600
2022	$5,079.00 Homeowner's exemption	$446,100 Land $97,600 Building $348,500	$446,100 Land $97,600 Building $348,500

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 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

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	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 291 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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