12832 Andover Dr, Carmel, IN 46033 Property Records

Hamilton County property record for 12832 Andover Dr, Carmel, IN 46033

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,813 sqft · built 1976
Lot Size	1.11 acres (48,352 sqft)
Owner	Individual Name on File
Tax Bill	$6,341 (2024)
Deeds & Mortgages	Mar 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-10-29-404-017.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-10-29-404-017.000-018`
Alternative APN	`1610290404017000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,813 sqft Living Area
1st Floor Area	1,614 sqft
2nd Floor Area	1,199 sqft
Basement Area	1,134 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Architectural Style	Other
Exterior Material	Stone
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	48,352 sqft (1.11 acres)
Lot Dimensions	222 ft deep x 115 ft wide
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	1610290404017000
Street Address	12832 ANDOVER DR
City	CARMEL
State	IN
Zip	46033-2416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .00, SECTION 29, TOWNSHIP 18, RANGE 4, BROOKSHIRE NORTH, SECTION 1, LOT 25, IRREGULAR SHAPE, ADDITIONAL LEGAL DESCRIP
Legal Range	04
Legal Township	18
Legal Section	29
Legal Subdivision	CARMEL BROOKSHIRE
Legal Block	1
Legal Lot Number	25,7B
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1015
Census Tract	111003

Owner

12832 Andover Dr is owned and occupied by an individual who acquired it in December 2016.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	12832 ANDOVER DR, CARMEL, IN 46033-2416
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2016
Deed Sale	Dec 8, 2016
Prior Sale	Aug 4, 2008
Deed Document Number	2016064939
Record Updated	Jun 8, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12832 ANDOVER DR, CARMEL, IN 46033-2416
Document Number	0000011804
Instrument Date	Mar 25, 2019
Transaction Type	Mortgage
Record Updated	Apr 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12832 ANDOVER DR CARMEL IN 460332416, CARMEL, IN 46033-2416

Mortgage

Document Number	0000011804
Date	Apr 1, 2019
Instrument	11804

Lender

Name	FINANCIAL CTR FIRST CU
Address	INDIANAPOLIS, IN 46226

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 31, 2034

Interest

Rate Type	Adjustable Rate

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		$577,800 (+4.83%) Land $208,800 Building $369,000	$577,800 (+4.83%) Land $208,800 Building $369,000
2024	$6,341.00 (+17.51%)	$551,200 (+12.58%) Land $208,800 Building $342,400	$551,200 (+12.58%) Land $208,800 Building $342,400
2023	$5,396.00 (+6.14%) Homeowner's exemption	$489,600 (+9.8%) Land $161,800 Building $327,800	$489,600 (+9.8%) Land $161,800 Building $327,800
2022	$5,084.00 Homeowner's exemption	$445,900 Land $161,800 Building $284,100	$445,900 Land $161,800 Building $284,100

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

Flood

FEMA maps place 12832 Andover Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire risk around 12832 Andover Dr 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 96% of the US · lower than 73% 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 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet 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

Nearby Properties on Andover Dr

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