Hamilton County property record for 12876 Charing Cross Rd, Carmel, IN 46033
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,741 sqft · built 1979 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $168,500 (May 2007) |
| Tax Bill | $2,600 (2024) |
| Deeds & Mortgages | May 2026 Line of Credit Jan 2024 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-10-29-408-009.000-018 |
| Primary APN | 29-10-29-408-009.000-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,741 sqft Living Area |
| Gross Area | 2,224 sqft |
| 1st Floor Area | 1,741 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 117 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 12876 CHARING CROSS RD |
|---|---|
| City | CARMEL |
| State | IN |
| Zip | 46033-2441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ACREAGE .00, SECTION 29, TOWNSHIP 18, RANGE 4, BROOKSHIRE PINES, LOT 197 |
| Legal Range | 04 |
| Legal Township | 18 |
| Legal Section | 29 |
| Legal Subdivision | BROOKSHIRE PINES |
| Legal Lot Number | 197 |
| Jurisdiction | HAMILTON IN |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 111003 |
Source: Hamilton County records, as of June 9, 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 | 12876 CHARING CROSS RD, CARMEL, IN 46033-2441 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 27, 2026 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK |
| Jan 4, 2024 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Aug 19, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Jan 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED SAVINGS BANK |
| Nov 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 7, 2007 · Amount on File |
| Deed Sale | May 7, 2007 · Amount on File |
| Deed Document Number | 200724942 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Recording Date | May 27, 2026 |
| Property Address | 12876 CHARING CROSS RD, CARMEL, IN 46033-2441 |
| Document Number | 0000023223 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 202623223 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 12876 CHARING CROSS RD, CARMEL, IN 46033-2441 |
| Investor | Possibly a Property Investor |
| Document Number | 0000023223, |
|---|---|
| Date | May 27, 2026 |
| Instrument | 202623223 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 25, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 12876 CHARING CROSS RD, CARMEL, IN 46033-2441 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 12876 CHARING CROSS RD, CARMEL, IN 46033-2441 |
| Document Number | 0000000288 |
|---|---|
| Date | Jan 4, 2024 |
| Instrument | 2024000288 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 25, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 12876 CHARING CROSS RD, CARMEL, IN 46033-2441 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 12876 CHARING CROSS RD, CARMEL, IN 46033-2441 |
| Document Number | 0000041331 |
|---|---|
| Date | Aug 19, 2022 |
| Instrument | 2022041331 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | May 25, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 12876 CHARING CROSS RD, CARMEL, IN 46033-2441 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003154 |
|---|---|
| Date | Jan 15, 2021 |
| Instrument | 2021003154 |
| Name | UNITED SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON IN |
| Property Address | 12876 CHARING CROSS RD, CARMEL, IN 46033-2441 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000056622 |
|---|---|
| Date | Nov 12, 2019 |
| Instrument | 2019056622 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 1, 2039 |
Source: Hamilton County assessment roll, as of March 16, 2026
| Type | Name |
|---|---|
| State | Indiana |
| County | Hamilton County |
| County Subdivision | Clay Township |
| Municipality | Carmel City |
| Unified School District | Carmel Clay Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $302,000 (+17.83%) Land $88,900 Building $213,100 | $302,000 (+17.83%) Land $88,900 Building $213,100 | |
| 2024 | $2,600.00 (+3.22%) | $256,300 (-) Land $88,900 Building $167,400 | $256,300 (-) Land $88,900 Building $167,400 |
| 2023 | $2,519.00 (+8.95%) | $256,300 (+15.4%) Land $88,900 Building $167,400 | $256,300 (+15.4%) Land $88,900 Building $167,400 |
| 2022 | $2,312.00 | $222,100 Land $72,300 Building $149,800 | $222,100 Land $72,300 Building $149,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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 |
|
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 325 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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