12874 Tradd St, Carmel, IN 46032 Property Records

Hamilton County property record for 12874 Tradd St, Carmel, IN 46032

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,878 sqft · built 2008
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$527,500 (Aug 2025)
Tax Bill	$3,839 (2024)
Deeds & Mortgages	Aug 2025 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-09-28-044-003.000-018`

Property Details

APN / Parcel Number

Primary APN	`29-09-28-044-003.000-018`
Alternative APN	`1709280044003000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,878 sqft Living Area
1st Floor Area	988 sqft
2nd Floor Area	890 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Architectural Style	Other
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1709280044003000
Street Address	12874 TRADD ST
City	CARMEL
State	IN
Zip	46032-9343
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ACREAGE .11, SECTION 28, TOWNSHIP 18, RANGE 3, VILLAGE OF WESTCLAY, REPLAT INFORMATION: LOTS 31-42 BLOCK D, SECTION 5003, LOT
Legal Range	03
Legal Township	18
Legal Section	28
Legal Subdivision	VILLAGE/WESTCLAY SEC 5003
Legal Block	D
Legal Lot Number	31-42
Jurisdiction	HAMILTON IN
Township / Civil Division	CLAY
Census Block Group	1
Census Block	1018
Census Tract	111009

Owner

12874 Tradd St is owned and occupied by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	12874 TRADD ST, CARMEL, IN 46032-9343
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
Aug 11, 2025	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jul 8, 2019	Deed of Trust, Mortgage · FHA Mortgage GVC MORTGAGE INC
Oct 26, 2020	Warranty Deed, Transfer CHICAGO TITLE CARMEL
Aug 2, 2018	Warranty Deed, Transfer · FHA Mortgage GVC MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2025 · Amount on File
Deed Sale	Aug 11, 2025 · Amount on File
Prior Sale	Oct 26, 2020 · Amount on File
Deed Document Number	2025033104
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12874 TRADD ST, CARMEL, IN 46032-9343
Transaction Type	Mortgage
Record Updated	Oct 6, 2025
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4163 VERNON CENTER 4163, 4163, VERNON HILLS, IL 60061

Mortgage

Document Number	0000033105
Date	Aug 11, 2025
Instrument	2025033105

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON IN
Property Address	12874 TRADD ST, CARMEL, IN 46032-9343
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029487
Date	Jul 8, 2019
Instrument	2019029487

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company
Address	PENDLETON, IN 46064

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Oct 26, 2020
Property Address	12874 TRADD ST, CARMEL, IN 46032-9343
Document Number	0000077007
Instrument Date	Oct 23, 2020
Instrument	77007
Transaction Type	Transfer
Record Updated	Apr 19, 2021
Title Company	CHICAGO TITLE CARMEL

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
Address	12874 TRADD ST CARMEL IN 460329343, CARMEL, IN 46032-9343

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON IN
Recording Date	Aug 2, 2018
Property Address	12874 TRADD ST, CARMEL, IN 46032-9343
Document Number	2018035309
Instrument Date	Jul 2, 2018
Instrument	2018035309
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	FIRST AMERICAN 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	12874 TRADD ST, CARMEL, IN 46032-9343

Mortgage

Document Number	2018035310
Date	Aug 2, 2018
Instrument	2018035310

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 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		$416,800 (+17.24%) Land $135,900 Building $280,900	$416,800 (+17.24%) Land $135,900 Building $280,900
2024	$3,839.00 (+2.37%)	$355,500 (-0.73%) Land $135,900 Building $219,600	$355,500 (-0.73%) Land $135,900 Building $219,600
2023	$3,750.00 (-8.07%) Homeowner's exemption	$358,100 (+1.96%) Land $135,900 Building $222,200	$358,100 (+1.96%) Land $135,900 Building $222,200
2022	$4,079.00 Homeowner's exemption	$351,200 Land $135,900 Building $215,300	$351,200 Land $135,900 Building $215,300

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

Flood

FEMA maps place 12874 Tradd St 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	6 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

The area around 12874 Tradd St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 408 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

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